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Karachach is 43 years old, married and has four sons and one daughter. Her husband works at a high school in the village Spartak, managing the economy.

Karachach grew up in a family of farmers and her parents were for a long time engaged in animal husbandry. Having extensive experience with farm management, Karachach's family started working with livestock and field-crop cultivation 20 years ago. The administration of the village Spartak provided for rent of land, where they grow sweet corn, sugar-beet and cereals. Currently, at the farm, Karachach has four dairy cows and 15 sheep, and the income from selling milk to producers of dairy products is in total around 15,000 som (KGS).

With an aim to expand her business, Karachach turned to the organization "Bai Tushum & Partners" for a loan in the amount of 130,000 som (KGS) for the purchase of milking cows, wheat seeds of good quality and fertilizer for spring planting. Karachach has plans to buy a car for her family, as the family home is located 35 km from the district center.
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Карачач 43 года, замужем, имеет четверых сыновей и одну дочь. Муж работает в средней школе села Спартак заведующим хозяйства. Карачач выросла в семье фермеров, ее родители издавна занимались животноводством. Имея большой опыт в ведении хозяйства, 20 лет назад семья Карачач начала заниматься животноводством и полеводством. Администрация села Спартак выделила в аренду земельную долю, где они выращивают кукурузу, сахарную свеклу и зерновые культуры. В настоящее время в хозяйстве Карачач имеется 4 головы дойных коров, 15 голов овец, приносящие доход от сдачи молока производителям молочной продукции в сумме около 15,000 сом (KGS).
В целях расширения бизнеса, Карачач обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на покупку дойной коровы, семян хорошего сорта пшеницы и минеральных удобрений для весеннего посева. В планах у Карачач – купить машину для своей семьи, так как место проживания семьи находится в 35 км от районного центра.

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
  • 84
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,761,025
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,800 helped Karachach to purchase cattle, seeds and fertilizer.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 18, 2011
Dec 13, 2011
Currency Exchange Loss:
Jun 17, 2013