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Gulnar is 50 years old. She is married and has raised 3 children. She works as an operating room nurse, while also raising livestock and keeping bees as a source of additional income. Gulnar started her business with an initial investment of 1,000 som (KGS), and presently keeps 2 dairy cows, 10 sheep, 1 horse and 30 bee hives. The average monthly income from the business is 20,000 som (KGS).

In order to continue developing her business, Gulnar has turned to Bai Tushum & Partners for a loan of 115,000 som (KGS) to purchase another dairy cow and 4 sheep, as well as additional bee families since some of them died due to the cold winter. Gulnar plans to invest her profits from this loan into further expansion of her business.
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Гулнар 50 лет, замужем, воспитала 3 детей. Гулнар работает операционной медсестрой и в качестве дополнительного дохода - с 1992 года занимается животноводством и пчеловодством, начав этот бизнес со стартовой суммы 1 ,000 сом (KGS). На сегодняшний день, в хозяйстве Гулнар имеется 2 головы дойных коров, 10 голов овец, 1 лошадь и 30 семей пчел, доходы от хозяйства составляют примерно 20,000 сом (KGS) в месяц.
В целях дальнейшего развития своего бизнеса, Гулнар обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 115,000 сом (KGS) на закуп 1 дойной коровы, 4 овец и дополнительного количества пчелосемей, так как из-за холодной зимы часть пчел погибла . Доходы от кредита Гулнар планирует вложить в дальнейшее увеличение хозяйства.

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
  • 63
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,298,300
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,475 helped Gulnar to purchase livestock and bee families.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 3, 2012
Apr 6, 2012
Currency Exchange Loss:
Feb 17, 2014