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Zoya E. is 69 years old and has three children. She graduated from Pedagogical University and worked as a teacher of the Russian language for 33 years. Her colleagues characterize her as a very optimistic and responsible person. Now she is retired and earns her living through breeding cattle.

Zoya got started in this business 20 years ago when her family needed additional earnings to cover their expenses. Thanks to her persistent and hardworking personality, Zoya managed to make her business successful and today earns about 8,000 KGS monthly. Using the revenue from reselling fattened livestock, she was able to hold daughter’s wedding.

Zoya plans to use this loan of 100,000 KGS to broaden her business by purchasing more cattle. With the revenue from this investment, Zoya plans further development of her farm.

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
  • 85
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,751,450
    Funds lent in using Kiva
  • 47.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Zoya to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 25, 2010
Feb 1, 2011
Currency Exchange Loss:
Jan 15, 2012