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Zoya is 42 years old. She works as a manager of a milk farm in the Petrovka village. Having worked in the agricultural field for ten years, Zoya has knowledge and experience in breeding livestock. Every year, the milk farm migrates to pastures in the mountains during the summer period, where Zoya moves too with the farm's employees. Today, Zoya's business contains 3 heads of purebred dairy cows and 15 heads of sheep. Sales of milk and milk products yield about 25,000 som (KGS) per month. In order to further develop her business, Zoya requested a loan in the amount of 70,000 som (KGS) from the "Bai-Tushum and Partners" company to buy a purebred dairy cow. She plans to invest the earnings from the loan into a purchase of technology to improve her farm's functions.
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Зое 42 года. Зоя работает заведующей молочной фермы в селе Петровка. Работая в сфере сельского хозяйства на протяжении 10 лет, Зоя обладает знаниями и большим опытом в разведении скота. Ежегодно молочная ферма в летний период года кочует в горы на пастбища, куда переезжает и сама Зоя вместе с работниками фермы. На сегодня в хозяйстве Зои содержится 3 головы породистых дойных коров, 15 голов овец. Продажа молока и молочных продуктов приносит около 25,000 сом в месяц (KGS).
В целях дальнейшего развития своего хозяйства, Зоя обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) для покупки породистой дойной коровы. Доходы от кредита Зоя планирует вложить в покупку техники для улучшения деятельности своей фермы.

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
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Zoya to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2012
Mar 30, 2012
Currency Exchange Loss:
Apr 17, 2013