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Gulsara is 55, married and has three children. She works as an English language teacher at the school in Tokmok and is known as an accurate and open-hearted teacher. Her husband, Turatbek, also works as a teacher in mathematics. In order to find an additional means of subsistence for her family, Gulsara began to develop her business in cattle breeding in 1995. She bought milk cows with her start-up capital of 20.000 KGS and managed to earn about 20,000 KGS in a month from selling milk products.

Gulsara plans to use her loan of 100,000 KGS to broaden her business by buying two milk cows. With the revenues from these investments, she will be able to help her son to reconstruct his house and raise her family's living standards.

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
  • 56
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 45.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,225 helped Gulsara to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 15, 2011
Jul 22, 2011
Currency Exchange Loss:
May 16, 2012