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Gulnara is 45 years old, married, and the mother of six children. As the main source of income for her family, Gulnara works with livestock breeding and field crop cultivation, after having started this business with a sum of 5,000 som (KGS). Thanks to Gulnara's persistent work, her farm today has two cows and further 2.40 hectares of land, where she grows perennial herbs and potatoes. The sale of milk and dairy products brings in around 2,000 som (KGS) per month.

With an aim to further develop her business, Gulnara turned to the organization "Bai Tushum & Partners" for a loan in the amount of 70,000 som (KGS) for the purchase of additional heads of sheep and goats. Gulnara plans to invest the income from the loan in further developing her business, in order to have an opportunity to pay for the education of her children.
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Гульнаре 45 лет, замужем, мать 6 детей. Гульнара в качестве основного источника дохода для своей семьи, занимается животноводством и полеводством, начав этот бизнес с суммы 5,000 сом. Благодаря упорному труду Гульнары в ее хозяйстве на сегодняшний день имеется 2 коровы, также 2,40 га земли , где она выращивает многолетние травы и картофель. Продажа молока и молочных продуктов приносит около 2,000 сом в месяц.
В целях дальнейшего развития своего бизнеса, Гульнара обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) на покупку дополнительных голов мелкого рогатого скота. Доходы от кредита Гульнара планирует вложить в дальнейшее развитие хозяйства, чтобы иметь возможность оплаты за обучение детей.

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
  • 70
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,318,175
    Funds lent in using Kiva
  • 47.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Gulnara to purchase livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 29, 2012
Jun 30, 2012
Currency Exchange Loss:
Nov 17, 2013