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Raykan T. is 47, married and has one child. She graduated as a seller and worked for a long time at the local consumer goods shop.

After privatization, she lost her job and decided to engage in her own business of selling socks. She started with the initial capital of only 500 KGS and managed to develop this activity into a monthly profit of 12,000 KGS. Today Raykan ‘s business includes a wide assortment of socks and women and men’s footwear.

Raykan has applied for a loan of 135,000 KGS to broaden the assortment of goods for sale. It will allow her to further develop her business and in the future, to give a higher education to her son.

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. Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population.

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
  • 81
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,850 helped Raykan to broaden the assortment of footware for sale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 8, 2011
Mar 6, 2011
Currency Exchange Loss:
Aug 15, 2012