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Kulnar is 58 years old, married and has four adult children. She was born into a simple family of a farmer and had helped her parents with the household since childhood. It just so happened that Kulnar got married early, at the age of 15. She finished school in her native village, but could not continue her education because she gave birth to her oldest son. During the next ten years, Kulnar became a mother to three more children. In search of a source of income for her family, Kulnar got a job as a butcher (worker who butchers livestock) at the Kaindinskiy meat processing plant in 1980. This work was very hard, but Kulnar is a strong woman and worked at the plant until she retired in 2008. Kulnar's husband worked as a shepherd at the collective farm, named after Panfilov, but got involved in taking livestock to a pasture for local residents when the collective farm feel apart after the breakup of the Soviet Union. Kulnar and her husband used their jointly earned money to create a farm business and provided education for their children with earnings from selling livestock. At the present time, their oldest son lives with them, and Kulnar takes care of two grandchildren. Thanks to her persistence and love of hard work, Kulnar's business currently has one dairy cow and one horse. 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 purchase thoroughbred horses. She plans to sell the offsprings. Kulnar plans to invest the earning from the business into continued breeding of thoroughbred horses.
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Кульнар 58 лет, замужем, имеет четверых взрослых детей.
Кульнар родилась в простой семье фермера и с детства помогала родителям по хозяйству. Так получилось, что Кульнар вышла замуж рано в 15 лет. Школу окончила в родном селе, но продолжить учебу у нее не получилось, так как она родила старшего сына. В течении следующих 10 лет Кульнар стала матерью еще троих детей. В поисках дохода для своей семьи, в 1980 году, Кульнар устроилась на работу в Каиндинский мясокомбинат в должности бойца (работник, который производит забой скота). Работа была очень тяжелая, но Кульнар сильная женщина, и проработала на мясокомбинате до выхода на пенсию в 2008 году.
Супруг Кульнар работал пастухом в колхозе имени Панфилова, но после развала Советского Союза колхоз развалился, после чего супруг начал заниматься выпасом скота местного населения. На совместно заработанные деньги Кульнар с супругом обзавелись хозяйством, на доходы от продажи скота выучили детей. В настоящее время, старший сын проживает совместно, и Кульнар заботится о двух внуках. Благодаря упорству и трудолюбию Кульнар, на сегодняшний день в ее хозяйстве одна дойная корова и одна лошадь. В целях дальнейшего развития своего бизнеса, Кульнар обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку породистых лошадей. Приплод Кульнар планирует продавать.

Доходы от бизнес – деятельности Кульнар планирует вложить в дальнейшее разведение породистых лошадей.

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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,880,625
    Funds lent in using Kiva
  • 46.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,175 helped Kulnar to purchase thoroughbred horses.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 19, 2011
Dec 28, 2011
Currency Exchange Loss:
Nov 17, 2013