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Irina
Irina was born in 1969 in a simple family of a bus driver. Her mother worked as a construction site foreperson. After graduating from college in 1988, Irina found a job as a weaver at the Karabaltinsky carpet factory. In 1991 she met her husband and in 1992 gave birth to her daughter. After ten years of marriage, Irina again became single. In 2002, while looking for a source of income for her small family, Irina began selling men's and women's clothing at the market in the village of Kaindy, using 6000 som (KGS) as her starting capital. Since the trade was not very profitable, Irina sold off her inventory and from 2006 to 2007 worked as a saleswoman in retail.

As her next step, Irina decided to lease a nearby shop that sells detergents, soaps, and cosmetics. Thanks to her tenacity, persistence, and daily work, Irina was able to develop her business, using the profits to buy an apartment in the village. In order to expand the range of her products, Irina has turned to Bai Tushum & Partners for a loan of 80,000 som (KGS). Irina plans to use the profits from this loan to finance her daughter's college education.
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Ирина родилась в 1969 году, в простой семье водителя автобусов, мать Ирины работала бригадиром на стройке. После окончания училища, Ирина в 1988 году устроилась ткачом на работу в Карабалтинский ковровый комбинат. В 1991 году она встретила гражданского мужа и в 1992 году родила дочь. Прожив в гражданским браке 10 лет, Ирина осталась одна. В 2002 году, в поиске источника дохода для своей маленькой семьи, Ирина начала продавать мужскую и женскую одежду на рынке поселка Каинда, использовав в качестве стартового капитала сумму в 6,000 сом (KGS). Так как торговля была не очень прибыльной, Ирина распродала весь товар и устроилась в магазин продавцом – реализатором, где проработала с 2006 по 2007 год. В качестве следующего этапа, Ирина решила сама взять в аренду близлежащий магазин с мыломоющими средствами и косметикой. Благодаря упорству, настойчивости и ежедневному труду, Ирина смогла развить свой бизнес, доходы от которого помогли ей приобрести квартиру в своем поселке.
В целях расширения ассортимента товаров, Ирина обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS). Доходы от кредита Ирина планирует вложить в оплату за обучение в колледже для своей дочери.

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

  • $2,100
    Average annual income
  • 236
    View loans »
    Kyrgyzstan Loans Fundraising
  • $9,812,575
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,725 helped Irina to expand the range of products in her shop.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 14, 2012
Listed
Jan 23, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 17, 2013