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Sharipa M. is 44 years old, widowed, and has three children. She started her business in cattle breeding with the initial capital of 15,000 KGS. She bought milk cows, whose milk she sold to her customers at the local market. She worked hard and managed to develop a farm with a monthly profit of 6,000 KGS. Sharipa ‘s family also began to cultivate kidney beans and perennial herbs on a plot of land. Using the revenues from selling the harvest, Sharipa paid for medical treatment for her daughter, who is handicapped.

Sharipa plans to use this loan of 90,000 KGS to buy 10 sheep and one milk cow. She expects to increase the sales of milk and also acquire new customers. With the revenue from the loan, she plans to broaden her business.

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
  • 63
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 47.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,925 helped Sharipa to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 4, 2011
Mar 3, 2011
Currency Exchange Loss:
Feb 15, 2013