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Gavkhar is 28 years old and raising three children, who are nine, seven and four years old. She started her own business of selling food products by selling the livestock that the family had. Having started with a sum of 60,000 som (KGS), Gavkhar was able to develop her food and cleaning products sales business to have a monthly income of 30,000 som. In order to expand her product selection, Gavkhar requested a loan in the sum of 80,000 som (KGS) from the "Bai-Tushum and Partners" company. She dreams of opening up her own store and sell merchandise wholesale.
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Гавхар 28 лет, воспитывает троих детей 9, 7, и 4 лет. В 2011 году Гавхар начала свой бизнес в торговле продуктами питания, продав для этого имеющийся в семье скот. Стартовав с суммой в 60,000 сом (KGS), и купив торговое место, Гавхар сумела развить свой бизнес в продаже продуктов питания и мыломоющими средствами с ежемесячным доходом в сумме 30,000 сом.
В целях расширения ассортимента товаров, Гавхар обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS). Гавхар мечтает открыть свой собственный магазин с оптовой продажей товара.

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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,725 helped Gavkhar to broaden an assortment of goods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 21, 2012
Feb 24, 2012
Currency Exchange Loss:
Mar 15, 2013