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Erna U. is a 54-year-old widow with three children. Her family has been engaged in cattle breeding and land cultivation for the past 17 years, as a means of subsistence.

Erna’s hardworking efforts allowed her to develop a farm with two cows and ten sheep. She also cultivates beans and perennial herbs which serve as forage for her cattle. Now, Erna plans to use the loan of 50,000 Kyrgyz Soms to broaden her business by purchasing sheep and manure to fertilize her land. With the revenue from this investment, Erna plans to reconstruct her barn.

Bai-Tushum and Partners use 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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 47.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Erna to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 30, 2010
Jan 1, 2011
Currency Exchange Loss:
Dec 15, 2011