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Gulkair's Group
In this Group: Gulkair, Anar, Anar, Mirbek
Gulkair, 42, is the leader of this group. Since her last years of high school, one of Gulkair’s big passions has been baking. “I’ve always loved to bake,” she said. "Whenever I had a chance, I’d bake something unique for my children.”

The revenue from the bakery that she opened by her house initially seemed to be enough; however, Gulkair soon realized that she needs an additional source of income. It wasn’t hard to decide what activity it would be: like any resident of Tup village, Gulkair could become a farmer. Ten years ago, Gulkair started cultivating her small but rich piece of land. The fertilizers, fuel, and seeds required the initial capital of 16 500 soms. Gulkair is still cultivating land every spring and gathering rich crops in the fall. This time she plans to plant more vegetables; therefore, she needs more fertilizers. It is with this purpose that she addresses the Kiva lenders. She hopes her efforts will be rewarded with rich harvest.

--- 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
  • 74
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 45.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulkair's Group's $1,550 loan helped a member to purchase fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 9, 2011
Jun 18, 2011
Currency Exchange Loss:
Jan 18, 2012