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Kulsaada is 50 years old, married, and the mother of three children. Kulsaada works with maintenance at the local military base. As an additional source of income for her family, she has been engaged in livestock breeding and field crop cultivation since 1987, after having started this business with the purchase of a calf. Thanks to Kulsaada's persistent work, her farm currently has two cows and further 1.60 hectares of land, where she grows perennial herbs and potatoes. The sale of milk and dairy products brings in around 8,000 som (KGS) per month.

With an aim to further develop her business, Kulsaada 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. Kulsaada plans to invest the income from the loan in further developing her business, in order to be able to pay for her children's education.
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Кулсааде 50 лет, замужем, мать 3 детей. Кулсаада работает техничкой в местной военной части и в качестве дополнительного источника дохода для своей семьи, с 1987 года занимается животноводством и полеводством, начав этот бизнес с покупки теленка. Благодаря упорному труду Кулсаады в ее хозяйстве на сегодняшний день имеется 2 коровы, также 1,60 га земли , где она выращивает многолетние травы и картофель. Продажа молока и молочных продуктов приносит около 8,000 сом в месяц.
В целях дальнейшего развития своего бизнеса, Кулсаада 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 Кулсаада 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
  • 90
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,750,525
    Funds lent in using Kiva
  • 47.1
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,500 helped Kulsaada to purchase livestock.
99% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 31, 2012
Jun 30, 2012
Currency Exchange Loss:
Jun 17, 2014