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Rysbu is 50, married and has four children. She lives in the Kyrgyz southern city of Osh. Rysbu graduated from Pedagogical University and worked as a teacher at the local school. As it was difficult to cover all her household expenses on the low wage, and in order to find an additional means of subsistence for her family, Rysbu started her own business in reselling carpets.

She worked hard and her activity started to bring permanent profit in the sum of 60.000 Kyrgyzstan soms (KGS) in a month, and the number of customers increased.

But in June 2010, when violent clashes caused by a deposed political regime broke out in Osh city, Rysbu lost her business, which was robbed and looted. But Rysbu, being an optimistic and hardworking person, didn’t give up and decided to resume her lost business and continue activities.

For this very reason, Rysbu is applying for a loan of 135,000 KGS, which she needs to restart her business. Despite the many difficulties along the way, Rysbu doesn’t look back and is ready to take a step forward to her future.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 45.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Rysbu to broaden her assortment of goods.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 4, 2011
Jun 23, 2011
Currency Exchange Loss:
Feb 15, 2013