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Bermet O. is a 53-year-old farmer with four children. Her family has been engaged in cattle breeding for the past 20 years, which is the means of subsistence for them. Bermet started this activity with initial capital of only 4,000 soms (KGS) and worked hard to achieve success. Due to her persistent and hardworking personality, Bermet managed to buy a truck which is now used for transportation. Today, she has two milk cows and one bull calf and plans to enlarge the number of her cattle.

For this very reason, Bermet has applied for a loan of 120,000 KGS to broaden her business by purchasing two milk cows and two bull calves. With the revenue from this investment, she plans to broaden her business. All members of Bermet’s united family are doing their best to make the future prosperous and stable.


Bai-Tushum and Partners uses Kiva funding to target an 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
  • 100
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,740,225
    Funds lent in using Kiva
  • 47.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,575 helped Bermet to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 7, 2010
Jan 1, 2011
Currency Exchange Loss:
Dec 15, 2012