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Bubukharia S. is 50, married and has four children. She was born in the south of Kyrgyzstan, where all in her family were engaged in cotton cultivating. In 1998, Bubukharia’s family moved to Petrovka village in the northern part of the country. Her elder son followed his parents’ steps and graduated from State Agricultural University; the others help in the household.

In order to find means of subsistence, Bubukharia decided to engage in cattle breeding. With the initial capital of 10,000 soms (KGS), she managed to develop her farm to a monthly profit of 20,000 KGS. With the revenues, Bubukharia was able to build a house for her family and hold weddings for her sons.

Now Bubukharia wants to use this loan of 50,000 KGS to purchase a milk cow, which will allow her to increase sales of milk products. In the future, she dreams to develop a huge farm and build a house for her younger son.

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
  • 88
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,750,525
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Bubukharia to purchase a milk cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 3, 2011
Mar 2, 2011
Currency Exchange Loss:
Feb 15, 2012