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Update on Zulay

With the help of her first Kiva loan, Zulay was able to purchase fertilizers and also managed to buy one cow. Now she is applying for her second Kiva loan in the sum of KGS 100,000 to purchase two milk cows in order to raise her milk sales. In the future, Zulay plans to "broaden her household" by purchasing more cattle.

Previous Loan Details

Zulay K. is 61, married and lives in Sadovoe village with her family. She has three children who help in the household. In 2000, using her initial capital of 5,000 Kyrgyz Soms, Zulay began cultivating carrots. Currently, her land needs to be worked and manured. For this reason, Zulay plans to app... More from Zulay's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 58
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,291,700
    Funds lent in using Kiva
  • 46.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,175 helped Zulay to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 14, 2011
Jan 9, 2012
Currency Exchange Loss:
Feb 15, 2013
This photo was used before for a previous loan for Zulay. It was first posted on Kiva on Nov, 2010. Learn More