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Jamiyla R., 34, is a farmer and married with five children. Her husband Mederbek helps her and also supports the family by working as a builder. Her family has been engaged in breeding cattle and land cultivation since 1998. They started it with 30,000 KGS of capital and managed to raise it to profits of 5,000 KGS a month from selling milk products and harvest. Today, Jamiyla’s farm consists of two milk cows, twenty sheep and one horse. In order to broaden her farm, Jamiyla has applied for a loan of 80,000 KGS to buy more cattle. With the revenues, she plans to pay for the education of her children. Jamiyla is a very purposeful person with the motto, "Moving ahead without stopping" and she makes every effort to implement this into her family’s life.

Bai-Tushum and Partners, one of the leading microfinance institutions in Kyrgyzstan, use Kiva funding to target the especially vulnerable population. 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, meeting the interests of both 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
  • $11,298,300
    Funds lent in using Kiva
  • 47.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Jamiyla to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 21, 2011
Apr 1, 2011
Currency Exchange Loss:
Feb 15, 2012