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Arzykan C. is 62 and married. She has two children. She has higher education in economics and worked in the area of trading for a long time. After retiring on pension, Arzykan decided to start her own business in cattle breeding. She has been engaged in this activity for the last two years and has reached success. Now her business, which was started with the initial capital of 50,000 KGS, consists of four cows and thirty eight sheep at the farm. Her monthly profit is about 3,000 – 4,000 KGS which allows her to broaden her business.

Arzykan wants to take a loan of 100,000 KGS to purchase one colt, two calves and sheep. With the revenues, she plans to develop her farm.

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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Arzykan to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 25, 2011
Mar 12, 2011
Currency Exchange Loss:
Mar 15, 2012