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Masida N. is 49, widowed, and has three children. At the present time, she is the caregiver for her two grandchildren and their best friend. Masida has been engaged in breeding livestock and farming since 2005 and works hard to cover all the expenses of her family. Starting with the initial capital of 30,000 KGS, she managed to develop a farm with cows, sheep, and goats with monthly earnings in the amount of 8,000 KGS from selling meat and milk products.

Also, her land with potatoes, corn, tomatoes and onions gives good harvests, which allow adding to her family’s budget about 6,000 KGS in a month. In 2006, Masida took out her first loan from Bai Tushum and Partners to enlarge her herd of livestock. The loan was used as intended and repaid without any delays. During her loan period, she gained a reputation as a responsible, persistent and hard-working person doing her best to provide the family with the essentials.

Now Masida plans to use this loan in the amount of 100,000 KGS to purchase sheep. With the revenue, she wants to improve conditions for good maintenance for her livestock.

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 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
  • 69
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,305,375
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Masida to purchase sheep.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 8, 2011
May 2, 2011
Currency Exchange Loss:
Feb 15, 2013