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Damira is 45 years old, married, and has 4 children. For the past 3 years, as the main source of income for her family, Damira has been baking and selling bread - flatbreads made in a tandoor, a clay oven heated with wood and coal. Thanks to her business' profits, Damira has been able to build a home for her family and to prepare dowry for her two daughters. Presently, she delivers prepared breads in an old car, which requires daily repairs and many spare parts.

In order to continue successfully developing her business, Damira has turned to Bai Tushum & Partners for a loan of 100,000 som (KGS) to buy a new cargo vehicle for transporting her flatbreads to shops and markets. Damira would like to use a portion of her profits from this loan for her two youngest sons' education, and also to continue investing into expansion of her business.
View original language description ↓
Дамире 45 лет, замужем, имеет 4 детей. Дамира в качестве основного источника дохода для своей семьи, в течении 3 лет занимается изготовлением и реализацией хлеба – лепешек, выпекаемых в тандыре – глиняной печи, отапливаемой при помощи дров и угля. Благодаря доходам от бизнеса, Дамира смогла построить дом для своей семьи и подготовить приданое для двух дочерей.
На данный момент готовую продукцию Дамира отправляет на старой машине, требующей каждодневного ремонта и починки частей. В целях дальнейшего успешного развития своего бизнеса, Дамира обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на вложение в покупку погрузочного авто для транспортировки лепешек на базар и магазины. На часть доходов от кредита Дамире хотела бы вложить в обучение двух младших сыновей, а в дальнейшем - планирует вкладывать в развитие бизнеса.

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
  • 74
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Damira to buy a car for transporting her flatbreads.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 9, 2012
Aug 25, 2012
Currency Exchange Loss:
Aug 17, 2013