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Nurzhamal E. was born in Republic of Tadjikistan. Her low-income family with six children earned their living through agriculture and, from early childhood, she helped her parents in this household and looked after her younger siblings. Nurzhamal got married at the age of 19 and gave birth to six children.

In 1993, Nurzhamal’s family decided to move to Kyrgyzstan, to Partsyezd Village, where they bought a house with small plot of homestead land. They used it to grow different sorts of vegetables, which became their main source of income. As time passed by, Nurzhamal started to work as a cleaner and her husband became the teacher at the local school. After her older children got married and left their parents’ house, Nurzhamal move with her family to Voznesenovka Village, where her husband found a job at the juvenile colony located near the village.

To support her husband and earn additional income for her children, Nurzhamal started her cattle breeding business with initial capital of 2,000 KGS. She worked hard and managed to maintain a farm with six milk cows and three bull calves. Today, she earns about 5,000 KGS each month by selling milk and meat.

To develop her farm, Nurzhamal has applied for a loan of 100,000 KGS to buy cows and sheep. It will allow her to build a huge barn so she can maintain her cattle well. In the future, she dreams of buying a minivan for her family.

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
  • $10,941,475
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Nurzhamal to purchase cattle.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Dec 20, 2010
Feb 1, 2011
Currency Exchange Loss:
May 16, 2012