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Chinara S., a 42-year-old married mother of three children, lives with her family in Chat-Kul village. Her husband works as a railwayman.

In rural areas, where salaries are low and often unstable, it’s very hard to live, so in order to support her family and find an additional income, Chinara started her business in cattle breeding and beet cultivating, using her initial capital of 25,000 KGS. Owing to her persistent and hardworking personality, Chinara achieved success and used the revenues to pay for her elder daughter’s education.

Currently, Chinara’s farm consists of four milk cows and still needs to be developed. For this reason, she is applying for a loan of 60,000 KGS to buy more cattle. With the revenues from the loan, she plans to give a good education to her school-going children.

Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population. Bai-Tushum and Partners is one of the leading Microfinance Institutions in Kyrgyzstan. As a reliable financial partner, Bai-Tushum contributes to the economic development of the Kyrgyz Republic through the delivery of microfinance services in rural and urban areas that lead to increased employment and meet the interests of its clients and investors.

Additional Information

About Bai Tushum Bank CJSC

Bai Tushum Bank CJSC is a microfinance bank in Kyrgyzstan offering clients a range of products including loans for business development, trade, production, leasing, mortgage, consumption and more. Its portfolio is mostly comprised of group loans that cater to the broadest population of clients. Kiva lenders’ funds help the bank expand its services in remote areas to impact even more vulnerable communities in Kyrgyzstan.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 73
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,958,050
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Chinara to purchase cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 25, 2010
Dec 8, 2010
Currency Exchange Loss:
Jun 15, 2012