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Farida K. was born in the south of Kyrgyzstan. She graduated from trading college and has worked in this sphere for 30 years.
In 2000, after the death of her husband, she became the only bread-winner for her three children. In order to find means of subsistence, Farida tried her hand at reselling footwear at the local market. In 2005, she obtained her first loan to broaden the range of goods she sold. This loan was used as intended and repaid without any delays.

But in June 2010, Farida lost her business during violent clashes in the city of Osh caused by political turmoil. Her small shop was burned to ashes. However, she doesn’t give up easily and is ready to resume her lost business and continue her work. To help her do this, Farida is applying for a loan of 135,000 KGS. She plans to spend the extra profits on providing a good education for her daughter.

Farida is optimistic person, who doesn't look back and moves ahead.

Bai-Tushum and Partners use Kiva funding to assist the especially vulnerable. 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
  • 69
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 47.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,875 helped Farida to broaden an assortment of goods.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 15, 2011
Jan 1, 2011
Currency Exchange Loss:
Feb 15, 2013