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Baktygul is a thirty-nine-year-old married mother raising 4 children. She works as a teacher of Kyrgyz language in the Bokonbaevo village school, but she also raises animals in order to supplement her teacher's salary. She began this business with a sum of 20,000 soms and today, due to her hard work, she owns 2 cows, 30 sheep and 2.08 hectares of land she uses to cultivate potatoes and cock's head, which serves as fodder for her herd. Her monthly income from the business is about 10,000 soms.

In order to expand her business, Baktygul approached "Bai Tushum and Partners" with a request for a loan 110,000 soms (KGS). This loan would allow her to purchase some livestock for fattening and resale. She plans to invest profits from the loan back into her business and build up some savings so that she could pay for her son Sirgat and her daughter Nyrjamal to go to college.
View original language description ↓
Бактыгул 39 лет, замужем, воспитывает 4 детей. Бактыгул работает преподавателем кыргызского языка в школе села Боконбаево и в качестве дополнительного источника дохода для своей семьи, занимается разведением скота. Начав этот бизнес в 2007 году с суммы 20,000 сом, благодаря упорному труду на сегодняшний день Бактыгул имеет в хозяйстве 2 коровы и 30 овец, также 2,08 га орошаемой земли, где она выращивает картофель и эспарцет, служащий кормом для скота. Ежемесячный доход от хозяйства составляет сумму около 10,000 сом. В целях дальнейшего развития своего бизнеса, Бактыгул обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 110,000 сом (KGS) на покупку скота для откорма и перепродажи. Доходы от кредита Бактыгул планирует вложить в увеличение хозяйства, чтобы сделать сбережения на обучение для сына Сыргак и дочери Нуржамал в ВУЗе.

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
  • 84
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,753,325
    Funds lent in using Kiva
  • 47.3
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,350 helped Baktygul to purchase livestock.
99% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 15, 2012
Jun 18, 2012
Currency Exchange Loss:
Jun 17, 2014