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Svetlana K. is 42 years old. She is married and has two children. After graduating from school in Panfilovka village, Svetlana went to law school in Russia and started work as a lawyer in Barnaul town (Russia). There, she met her husband, who is also a citizen of Kyrgyzstan. In 1988, they were married. In 1991, they decided to come back to their native village in Kyrgyzstan, and with the money they saved, built a house and a small barn.

In order to find a means of subsistence for her family, Svetlana decided to start a business in animal breeding and land cultivating. With the initial capital of 1,500 KGS, Svetlana bought piglets to fatten and resell. Today, thanks to a persistent personality, Svetlana has a farm with two bull-calves and fifteen pigs, and cultivates barley and clover which is used as forage for her animals. With the aim of developing her farm, Svetlana took her first loan from Bai-Tushum and repaid it without any delay.

Svetlana has applied for another loan of 100,000 KGS to purchase more livestock. With the revenues generated, she plans to further increase the number animals on her farm. In the future, Svetlana dreams of opening a shop selling different kinds of meat products.

About Bai-Tushum:

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
  • 56
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,291,700
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

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