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Ainagul lives in Osh city, in the south of Kyrgyzstan. She is 46, married and has four children. Ainagul graduated from the Pedagogical University and worked at the school of Achy village as a librarian.

Unfortunately, her salary did not cover the expenses of her household at all. That’s why, in 2004, using her start-up capital of 10,000 KGS, Ainagul started her business in trade. Year in and year out, she managed to broaden her business and earn about 30,000 KGS in a month. Her loyal customers were attracted by her optimistic attitude and cheerfulness.

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

However, Ainagul isn't giving up and is ready to resume her lost business and continue to work. For this very reason, Ainagul is applying for a loan of 135,000 KGS, which she needs to restart her activity. She plans to purchase more dried fruits and nuts 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 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
  • 61
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,891,700
    Funds lent in using Kiva
  • 45.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Ainagul to purchase more dried fruits and nuts.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 1, 2011
Jun 21, 2011
Currency Exchange Loss:
Feb 15, 2012