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Yulduzkhon is 35 years old, married and is raising two sons and a daughter. Her husband works as a welder. Yulduzkhon decided to become involved in retail sales at the local market seven years ago, after investing a sum of 25,000 som (KGS) - money that she earned through hard labor in Russia, where she and her husband used to travel for work. Times were hard for Yulduzkhon at first because she did not have enough money and had to borrow it. Due to this, her husband continued to travel for work, thus, helping Yulduzkhon to get her business off from the ground. Today, Yulduzkhon actively works and currently has a revolving capital of about 150,000 som (KGS). In order to further develop her business, she requested a loan in the sum of 100,000 som (KGS) from the "Bai-Tushum and Partners" company to increase her revolving capital and expand merchandise assortment. This will also allow Yulduzkhon to work together with her husband and avoid future travels for work. Yulduzkhon's dream is to expand her business and build a big house for her family.
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Юлдузхон 35 лет, замужем, воспитывает 2-х сыновей и дочку. Муж работает сварщиком.
7 лет тому назад, Юлдузхон решила заняться торговлей на центральном рынке г. Кызылкия, вложив деньги в сумме 25,000 сом (KGS), заработанные тяжелым трудом в России, куда она с мужем ездили на заработки. Сначала Юлдузхон пришлось нелегко, ей не хватало средств и поэтому приходилось брать деньги в долг. Из-за такого положения дел, муж продолжал ездить на заработки, помогая Юлдузхон поставить бизнес на ноги.
На сегодняшний день, Юлдузхон активно работает и в настоящий момент имеет в обороте около 150,000 сом (KGS). В целях дальнейшего развития своего бизнеса, Юлдузхон обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на пополнение оборотных средств и расширение ассортимента товаров. Это также позволит Юлдузхон работать вместе с мужем, избегая в будущем поездок на заработки. Мечта Юлдузхон – расширить бизнес и построить большой дом для своей семьи.

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
  • 71
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 45.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,200 helped Yulduzkhon to broaden merchandise assortment and increase revolving capital.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Nov 8, 2011
Currency Exchange Loss:
Nov 15, 2012