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Elmira A. is 39, married and has two sons, 5 and 3 years old.

She has been engaged in clothing sales at the central market of Kara-Balta town for the last 11 years. Her start-up capital sum of 10,000 KGS was directed to purchasing a batch of women’s and men’s clothes for retail. She worked hard and today she has a developed business with floating capital of 90,000 KGS.

With the revenues, she is able to pay for a kindergarten and provide her children with all they need. Elmira has applied for a loan of 100,000 KGS to broaden the assortment of goods she sells. With the revenues she plans to open her own shop and, in the future, to buy a minivan for her family.

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 that lead to increased employment and meet the interests of its clients and investors. Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population.

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
  • 72
    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 $2,150 helped Elmira to broaden the assortment of goods she sells.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 28, 2011
May 2, 2011
Currency Exchange Loss:
Oct 15, 2011