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Zamira is 35 years old, married, and is raising 4 children. In search of an income for her family, in 2000, Zamira began her business in animal husbandry with 25,000 som (KGS). Zamira does her work reverently and very seriously. Thanks to this approach, today Zamira's farm has seven goats and their offspring, four cows, two calves, one horse, and six ponies. Regardless of the vast amount of labor intensive work, which takes a lot of time, Zamira also farms. She works 0.5 ha of land where she grows clover, corn, and potatoes. Her monthly income from the farm comes to about 7,000 som (KGS), a part of which she sets aside for paying her daughter's university tuition.

With the goal of further developing her business, Zamira applied to Bai Tushym & Partners for a loan of 120,000 som (KGS) for purchasing mares so she can sell kumis (mare's milk). Zamira is planning to invest the income in further increasing the number of her livestock.
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Замире 35 лет, замужем, воспитывает 4 детей. В 2000 году, в поисках дохода для своей семьи, Замира начала бизнес в животноводстве, использовав для этого сумму в 25,000 сом (KGS).
Замира трепетно и с большой ответственностью относится к своему делу - благодаря такому подходу, на сегодняшний день Замира имеет в своем хозяйстве 7 коз с приплодом, 4 коровы, 2 теленка, 1 лошадь и 6 жеребят. Несмотря на трудоемкий и объемный труд, который отнимает много времени, Замира также занимается и полеводством, обрабатывая 0,5 га земли с клевером, кукурузой и картофелем. Ежемесячный доход от такого хозяйства составляет около 7,000 сом (KGS), часть которого откладывается на оплату дочери в университете.

В целях дальнейшего развития своего бизнеса, Замира обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 120,000 сом (KGS) на покупку кобыл для торговли кумысом (кобылье молоко). Доходы Замира планирует вложить в дальнейшее приумножение поголовья.

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
  • 101
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,737,800
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,575 helped Zamira to purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 29, 2012
Apr 11, 2012
Currency Exchange Loss:
Apr 17, 2013