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Gulmayram S. is a 53-year-old farmer with four children. She and her husband Kanybek make a living by breeding livestock, and during 25 years of marriage have helped each other build their business. They have also provided a good example of a successful marriage to their children.

Gulmayram grew up in a large family of farmers, and helped her family breed animals when a child. Her wide experience in farming has benefited her own business, which she started in 1996 to generate an income for her family. Starting with capital worth 10,000 KGS, they have slowly expanded to a point where they have three milk cows and 15 sheep, and earn about 1,500 KGS a month by selling milk in the local market.

Gulmayram is applying for a loan of 100,000 KGS to buy more livestock to fatten and resell. With the revenues made possible by this loan, she hopes to continue expanding her farm.

Bai-Tushum and Partners uses Kiva funding to target the most vulnerable population in Kyrgyzstan. Bai-Tushum contributes to the economic development of the Kyrgyz Republic by delivering microfinance loans in rural and urban areas that lead to increased employment and satisfied customers, 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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,880,625
    Funds lent in using Kiva
  • 47.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Gulmayram to buy cattle for breeding.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Dec 31, 2010
Feb 1, 2011
Currency Exchange Loss:
Dec 15, 2012