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Tajikan D. is 52, widowed and has three children. She worked as an economist for a long time and was known as a very responsible and accurate person. In 1993, in order to find an additional means of subsistence for her children, she started her business in sales. With the initial capital of 10,000 KGS she managed to develop her business. She earned a monthly profit of 100,000 KGS from selling women’s clothes at the local market. Her loyal customers were attracted by her attentive attitude and cheerfulness.

But in June 2010, when violent clashes caused by the deposed political regime broke out in the Osh city, Tajikan lost her business. Her shop was robbed and looted.

However, Tajikan isn't giving up. She is ready to resume her lost business and continues to work. For this very reason, Tajikan is applying for a loan of 135,000 KGS, which she needs to restart her business. She plans to purchase more women’s clothing to resell at the local market.

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. These services lead to increased employment and help to 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
  • 71
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,900 helped Tajikan to buy women's clothing to resell.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 16, 2011
May 1, 2011
Currency Exchange Loss:
Jun 17, 2013