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Gulnara is 47, widowed, and has four children. Her one son went to Russia in search of a living. Two of her other sons are her main helpers in breeding cattle and land cultivating. Her youngest daughter goes to kindergarten. They have been engaged in the breeding and cultivating businesses since 2004. They work hard to grow beans and potatoes on the rented plot of land and breed 15 sheep at their farm. These activities allow them to earn about 6,000 KGS a month. Gulnara plans to use her loan of 70,000 KGS to purchase mineral fertilizers to manure her land, which will allow her the best quality harvest. With the revenues, she wants to help her son build a barn for the cattle and in the future, she plans further development of these businesses.

About Bai-Tushum and Partners:

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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,773,000
    Funds lent in using Kiva
  • 45.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Gulnara to purchase fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2011
Jul 21, 2011
Currency Exchange Loss:
Aug 15, 2012