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Bulbulaiym M. is 39 years old and has two sons. With her medical education she worked as a nurse at the hospital. After the birth of her younger son, her marriage broke down and she became the only bread-winner for her children. Her salary as a nurse was very low and didn’t cover all of the expenses of her family. For this reason, Bulbulaiym decided to start her own business of reselling day-to-day goods. She opened a small shop and, using the revenues, she was able to make her elder son’s dream come true – he became the student of a military college.

In 2005, Bulbulaiym’s tireless energy led her to open a shop with ware and children’s toys at the local market. She started it with the initial capital of 40,000 KGS and now her monthly earnings amount to 15,000 KGS. She worked hard to develop her business and managed to buy a house for her family. Bulbulaiym is now applying for a loan of 120,000 KGS to broaden her assortment of goods. This will allow for further development of her business in the market.

Bai-Tushum & Partners, one of the leading microfinance instutions in Kyrgyzstan, partners with Kiva to target the especially vulnerable population. 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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,779,400
    Funds lent in using Kiva
  • 47.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Bulbulaiym to broaden the assortment of goods at her shop.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jan 3, 2011
Feb 2, 2011
Currency Exchange Loss:
May 16, 2012