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Anargul's Group
In this Group: Anargul , Nurgazy, Gulmira
Anargul B., 53, is the leader of this group. She resides in Kadamjai, a small town in the Southern Kyrgyzstan. Out of her four children, her 11 year old daughter is the only one financially dependent upon her.

For the past twelve years, Anargul has been running a business of baking and retailing bread and other baked goods. She uses unique recipes taught to her by her mother. This allows her bakery to stand out from other bakeries by its special taste quality. Anargul has worked out strategies of cost cutting and a more efficient production, which makes her bread affordable and allows her to acquire competitive advantage. Anargul thanks her friend, whose advice she followed.

A monthly income of 4,000 soms allowed her family to purchase an automobile, which helps Anargul’s husband start cab driving. She plans to use the loan as an investment in the business. For the generated profits she would like to build a small grocery store.

--- Where Did This Loan Come From? ---

This loan is brought to you by Mol Bulak Finance (MBF), a young, ambitious and socially-focused Microfinance Institution in Kyrgyzstan.
MBF is strongly committed to the principles of sustainable development and upholds the triple bottom line – People (building human capital and taking care of its customers as well as society), Planet (keeping environmentally friendly) and Profit (earning revenue to expand autonomously). MBF is the only Microfinance Institute in Kyrgyzstan that delivers its services to customers 365 days a year. To learn more about MBF and view a Video presentation about the organization, please visit:

If you would like to support and learn more about Kyrgyzstan and microfinance in Central Asia, please join our Lending Team - Supporters of Kyrgyzstan – Mol Bulak Finance at Members will get special updates and news from Kiva Fellows in Kyrgyzstan and from the MBF 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
  • 89
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,750,525
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Anargul's Group's $750 loan helped a member to purchase flour.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 18, 2011
Apr 4, 2011
Currency Exchange Loss:
Apr 15, 2012