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Gulnara is 46, married and has two children. She worked as a nurse at the local hospital, but her wage was too low to cover her household expenses.

In 2001, in order to find an additional means of subsistence, she decided to engage in cattle breeding business. She started with purchasing one cow and managed to enlarge number of her cattle to two horses, two cows and ten sheep. Now this energetic woman plans to raise her monthly selling of milk products (which is about 4.500 KGS) by purchasing more milk cows. For this reason, Gulnara has applied for a loan of 100.000 KGS. With the revenues, she plans further enlargement of her business.

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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,317,750
    Funds lent in using Kiva
  • 45.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,225 helped Gulnara to purchase cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 4, 2011
Jun 2, 2011
Currency Exchange Loss:
Dec 15, 2012