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Irina C. is 51 years old and was born in Russia. Her father was a builder and her mother was a schoolteacher. Sadly, in 1964, when Irina was five years old, her mother died and her father decided to move to Kyrgyzstan, to Kara-Balta town.

From her childhood, Irina was eager to study and, after graduating from secondary school, she entered college and then became an engineer at a breadstuffs factory. In 1984, Irina got married and soon became the mother of two girls.

In 1994, using money which they had put aside for a rainy day, Irina’s family moved to Alekseevka village. There, they decided to start their own business selling groceries. They rented a small shop and made every effort to develop it. Irina’s life was supposed to be stable and prosperous, but hard tragedy disrupted all the plans of the family – their younger daughter, who was the light of Irina’s life, died in a car accident. As time passed by, Irina and her husband found strength to bear up under this severe test and continue to move ahead.

In 2009, Irina took out her first loan and redeemed her little shop. Now, Irina needs to broaden the assortment of goods in her shop, and for this reason, she is applying for a loan of 90,000 KGS. It will allow her to expand her business and attract new customers.

Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable members of the population.

Bai-Tushum and Partners is one of the leading microfinance institutions in Kyrgyzstan. As a reliable financial partner, it 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
  • 61
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 47.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,925 helped Irina to broaden her assortment of goods.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 29, 2010
Dec 9, 2010
Currency Exchange Loss:
Sep 15, 2011