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Nadezhda
Nadezhda A. is 49 years old. Nadezhda has finished school with high marks and dreamed of studying further, but her mother was unable give to her daughter a higher education. Nadezhda finished beauty school and found work with an established hairstylist. She helped her mother raise her younger sister and brother. A year later, she met her husband and became the mother of two daughters. Unfortunately, the marriage did not work out, and after five years, Nadezhda became the sole support for her family. To support her children, she started to bake pies and to distribute them in the village of Kemin, supplying them to shops and kiosks which has allowed her to create a loyal customer base. Also, Nadezhda continued working as a beautician. On her small verandah, she does hair and manicures for her neighbors. A bit more than a year ago, while coming home from distributing pies, Nadezhda found an abandoned newborn baby near her house. After considering it and consulting her daughters, they decided not to give the baby to an orphanage, but instead to adopt her. Now Nadezhda’s small daughter gives faith, pleasure and happiness to the entire family.

Additionally, since 1991 Nadezhda and her older daughters have raised pigs. In September 2009, Nadezhda applied for her first loan from Bai Tushum and received 70,000 KGS. The money helped Nadezhda increase her livestock and to maintain their living areas. Keeping pigs has provided an income, but the growing requirements of the children mean she must expand the business and become more profitable. So Nadezhda has decided take out a second loan to expand her farm. Nadezhda plans to take out the second loan for 120,000 KGS to buy more pigs. Nadezhda is a goal-oriented, persistent person who is doing everything she can to get her children on their feet and give them a good education.

Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population. Bai-Tushum and Partners is one of the leading Micro-finance Institutions in Kyrgyzstan. As a reliable financial partner, Bai-Tushum contributes to the economic development of the Kyrgyz Republic through the delivery of micro-finance services in rural and urban areas that lead to increased employment and meet the interests of its clients and investors.
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Надежде Афониной 49 лет. Школу Надежда закончила на «отлично» и мечтала учиться дальше, но у ее матери не было возможности дать дочери высшее образование. Надежда окончила парикмахерские курсы и устроилась работать женским мастером, чтобы как то помочь матери поднимать младших сестру и брата. Через год она встретила своего будущего мужа и стала матерью двоих дочерей. К сожалению, семейная жизнь не сложилась и после 5 лет брака, Надежда стала единственным кормильцем для своей семьи. Чтобы прокормить детей, она начала печь пирожки и развозить по поселку Кемин, раздавая по магазинам и павильонам, что позволило ей наработать постоянных клиентов своего товара. Также, Надежда продолжала свою практику в парикмахерском деле - в небольшой летней веранде она принимала соседей – делала стрижки и маникюр. Чуть больше года назад, возвращаясь после развозки выпечки, Надежда нашла возле дома подброшенного новорожденного ребенка. Подумав, и посоветовавшись с дочерьми, они решили не отдавать малышку в приют, а удочерить. Теперь маленькая дочка Надежды дарит веру, радость и счастье своей семье.
Также, в качестве дополнительного источника, с 1991 года, Надежда занимается содержанием и разведением поросят, в этом ей помогают старшие дочери. Надежда впервые обратилась в компанию «Бай Тушум» и получила свой первый кредит в размере 70, 000 сом (KGS) в сентябре 2009 года. Полученные деньги помогли Надежде увеличить поголовье поросят и улучшить условия содержания. Свиноводство приносило доход, но растущие потребности детей требовали расширения, как бизнеса, так и доходности. Так, Надежда решила обратиться за вторым кредитом, чтобы дополнительно увеличить свое хозяйство. Сейчас Надежда планирует взять второй кредит в сумме 120, 000 сомов (KGS) на дополнительное расширение поголовья поросят. Надежда – целеустремленный и упорный человек и прилагает все усилия для того, чтобы поставить детей на ноги и дать им хорошее образование.
Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population. Bai-Tushum and Partners is one of the leading Micro-finance Institutions in Kyrgyzstan. As a reliable financial partner, Bai-Tushum contributes to the economic development of the Kyrgyz Republic through the delivery of micro-finance 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
  • 84
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,751,450
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Nadezhda to purchase pigs.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Feb 11, 2011
Listed
Mar 9, 2011
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2013