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Zynash A. is 56, widowed and has seven grown children. She is also trustee of her niece who is disabled. Zynash has a higher technical education and worked for a long time as an accountant. In order to find an additional means of subsistence for her family, Zynash started her business in cattle breeding. With initial capital of 40,000 KGS, she managed to earn about 6,000 KGS a month. With the revenues, Zynash was able to give a good education to her children.

Zynash has applied for a loan of 110,000 KGS to broaden her business by purchasing more cattle. It will allow her to raise her sales of milk and meat products. In the future, Zynash plans to build a huge barn in order to provide a good conditions of cattle maintenance.

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
  • 100
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,740,225
    Funds lent in using Kiva
  • 47.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,325 helped Zynash to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 28, 2011
Mar 15, 2011
Currency Exchange Loss:
Apr 15, 2012