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Urmat
Urmat is 53, widowed, and she has five children. Urmat is a very persistent, honest and optimistic woman who strives hard to provide her children with everything they need.

She is engaged in a cattle breeding business, which she started three years ago with the initial capital of 10.000 KGS. Today she has one milk cow (which allows her to get an income from selling milk products) and one calf at her farm.

Urmat has applied for a loan of 50.000 KGS to purchase another milk cow in order to raise her milk sales and obtain new customers. These investments will help her to support her children and give them a good education.

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

  • $2,100
    Average annual income
  • 135
    View loans »
    Kyrgyzstan Loans Fundraising
  • $9,264,125
    Funds lent in using Kiva
  • 45.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Urmat to purchase another milk cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Jul 13, 2011
Listed
Jul 16, 2011
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2012