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Zarina is 26 years old, married and is raising a two-year-old son. She obtained higher education as an economist and was involved in sales in the neighboring Kazakhstan. Zarina got married in 2008 and moved in with her husband in the town of Jalal-Abad. In search of a source of income for her family, she started her own business of selling food products and cleaning supplies. She leased a retail outlet and put all of her efforts toward developing her business, and achieved success. Zarina was able to purchase a small apartment and make repairs to it. Today, she does not have an abundance of product selection, and, therefore, Zarina requested a loan in the sum of 100,000 som (KGS) from the "Bai-Tushum and Partners" company. Purchase of merchandise will allow her to expand her selection, increase the number of customers and have higher sales. In the future, Zarina wants to open her own store and for the family, to have more children.
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Зарине 26 лет, замужем и растит двухлетнего сына. Зарина получила высшее образование по специальности экономист и занималась торговлей в соседнем Казахстане. В 2008 году она вышла замуж, и переехала к мужу в г. Жалал-Абад. В поисках источника дохода для своей семьи, Зарина начала свой бизнес в торговле продуктами питания и мыломоющими средствами. Взяв в аренду торговое место на рынке, Зарина приложила все усилия для развития бизнеса и добилась успеха – она смогла приобрести маленькую квартиру и провести там ремонт. На сегодняшний день, ассортимент товаров не представлен в изобилии, поэтому Зарина обратилась в компанию «Бай - Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS). Закуп товаров позволит ей расширить ассортимент, увеличить количество клиентов и повысить продажи. В будущем, в бизнесе - Зарина хочет открыть свой собственный магазин, а в семье – завести еще детей.

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
  • 75
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 46.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Zarina to purchase merchandise and broaden an assortment of goods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 16, 2011
Nov 19, 2011
Currency Exchange Loss:
Dec 15, 2012