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Janyl J. is 51, widowed, and has three children. She has been working as a doctor's assistant at the local hospital for the last thirty years and is known as a very open-hearted and responsible person. Unfortunately, salaries of medical personnel are low, so in order to find an additional means of subsistence for her family, she decided to start her land-cultivating and cattle-breeding business.

She has been engaged in this business since 2000 and has managed to develop a farm with two horses, seventeen sheep, three goats and one milk cow. In 2007, she obtained her first loan of 10,000 KGS and successfully repaid it without any delays.

Now Janyl has applied for a loan of 135,000 KGS to purchase calves and sheep. With the income, she plans to broaden her farm by purchasing a plot of land for constructing a barn for her cattle.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,291,700
    Funds lent in using Kiva
  • 47.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,875 helped Janyl to purchase calves and sheep.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 28, 2011
Apr 1, 2011
Currency Exchange Loss:
Feb 18, 2013