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Baktygul Saitova's Group
In this Group: Baktygul , Burma, Batma
Baktygul S., 41, is the leader of this group. A resident of Nookat, a sunny, small town in Osh province in southern Kyrgyzstan, she has been employed for a rather long time in a regional military unit along with her husband, Nasirali. The couple has two children who are financially dependent on them. Being in the military for most of his life, Nasirali imposed upon his children a deep sense of devotion to and defense of the Motherland. It wasn’t surprising when their son decided to join the national army.

Baktygul is extremely proud of her children and hopes to provide the best conditions for their future education and employment. She is involved not only in her work in the military forces but also maintains the household well.

Baktygul keeps cattle and enjoys running a dairy. Six years ago she also started cultivating a small piece of land that they own and discovered the soil was very fertile. There always is a high demand for her fall harvest of vegetables and fruits, which helps Baktygul satisfy her family’s basic financial needs.

This spring Baktygul has grand plans to expand the variety of her crops, so she is in need of more funds than usual. She hopes Kiva will help her purchase mineral fertilizers. With her profits she plans on increasing her herd of cattle and purchasing a house.

About Mol Bulak:

This loan is being presented by Mol Bulak Finance, a young and ambitious, socially-focused MFI in Kyrgyzstan. Mol Bulak Finance is strongly committed to the principles of sustainable development on the basis of its “3-Ps” concept: People (building human capital and taking care of its customers and the society as well), Profit (to be profitable to grow larger) and the Planet (taking care of the environment). It is also the only MFI in Kyrgyzstan who delivers its services to customers 365 days a year.

To learn more about Mol Bulak and view a video presentation about the organization, please visit:

If you would like to support and learn more about Kyrgyzstan and micro-finance in Central Asia, please join our Lending Team—Supporters of Kyrgyzstan—at: Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and Mol Bulak staff.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 56
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,293,900
    Funds lent in using Kiva
  • 47.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Baktygul Saitova's Group's $850 loan helped a member to purchase mineral fertilizers.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 4, 2011
Mar 24, 2011
Currency Exchange Loss:
Jan 18, 2012