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Bai Tushum and partners expresses gratitude to all Kiva lenders who helped Mamlekat T. obtain her first Kiva loan, which was used as intended and repaid.

Mamlekat T. is a 53-year-old widow. She was born into a family of farmers and from early childhood had to help on her parents’ farm. Mamlekat got married at the age of 20 and gave a birth to two sons. She moved to her husband’s home in Stepnoe village, where they lived with his elderly parents. Her husband worked on a large state farm where Mamlekat worked as a dairymaid. He helped her in all her activities. Later, they were able to buy a small house in Kara-Balta town (near the village). The couple worked hard to support their children. But in 1987, Mamlekat lost her support when her husband died of an incurable disease.

After that, Mamlekat became the sole breadwinner for her family. Mamlekat, being a courageous woman, remained firm in her wish to provide a good future for her children. Her salary did not cover all her family’s expenses, so she decided to start her own business. In 1999, Mamlekat sold her house in the town and bought a dairy yard near her Stepnoe village. When she began, Mamlekat had only a few calves. Later, her livestock grew and she obtained milk cows and was able to sell dairy products for a small profit. Mamlekat, thanks to her first Kiva loan, has been able to increase her number of cattle and today has thirteen milk cows and fourteen bull-calves.

Mamlekat is requesting a loan of 100,000 KGS to purchase more bull calves and further develop her business. She also plans to help her elder son buy a flat in Kara-Balta town.

About Bai Tushum and partners:

Bai Tushum and partners uses Kiva funding to target especially vulnerable populations. 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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,317,750
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Mamlekat to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 23, 2011
Mar 1, 2011
Currency Exchange Loss:
Jan 15, 2012