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"Bai Tushum and Partners" company expresses a sincere gratitude to Kiva investors, who supported and financed Kulgaaky's first loan through Kiva, which was repaid without delays. Kulgaaky is 47 years old, married and has two children. She works as an English language teacher at the local school and also teaches at a university. She is known as a responsible, honest and principled person. As a secondary income for her family, Kulgaaky is involved in animal husbandry and farming. The family business of breeding livestock and growing beans, with which her husband helps, yields Kulgaaky about 9,000 som per month. In order to further develop her business, Kulgaaky requested a loan in the sum of 70,000 som (KGS) from the "Bai Tushum and Partners" company to purchase a cow and pay for beans harvest gathering. She plans to use the profits from the loan to buy construction materials to build a fence.
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Компания «Бай - Тушум и Партнеры» выражает искреннюю признательность Кива инвесторам за поддержку и финансирование первого кредита Кулгаакы по линии Кива, который был выплачен без просрочек.
Кулгаакы 47 лет, замужем и имеет двух детей. Кулгаакы работает учителем английского языка в местной школе, а также преподает в университете и известна как ответственный, честный и принципиальный человек. В качестве дополнительного источника дохода для своей семьи, Кулгаакы занимается животноводством и полеводством. Семейный бизнес в разведении скота и выращивании фасоли, в ведении которого ей помогает муж, приносит Кулгаакы около 9,000 сом ежемесячно. Для дальнейшего развития своего бизнеса, Кулгаакы обратилась в компанию «Бай – Тушу м и Партнеры» за кредитом в сумме 70,000 сом на покупку коровы и оплаты сбора урожая фасоли. Доходы от кредита она планирует направить на покупку строй материалов для постройки ограждения.

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
  • 73
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,938,275
    Funds lent in using Kiva
  • 45.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Kulgaaky to purchase a cow and pay for harvest gathering.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Sep 22, 2011
Oct 1, 2011
Currency Exchange Loss:
Oct 15, 2012