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Nilufar is a 44-year-old farmer who lives in the south of Kyrgyzstan. She has two children. In 1998, in order to support her family and cover all expenses, Nilufar decided to start her own land cultivating business. With a starting capital of 50,000 KGS, she managed to expand her business by engaging in cultivating cherries and crab cherries. With her business revenues, she was able to pay for education of her children.

Nilufar plans to use this loan of 100,000 KGS to buy mineral fertilizers and package materials for harvest transportation. With the revenues from the loan, she plans further broadening of her business.

About Bai-Tushum and Partners

Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population. It 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
  • 81
    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 loan of $2,225 helped Nilufar to purchase mineral fertilizers.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 14, 2011
Jul 15, 2011
Currency Exchange Loss:
Dec 15, 2011