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Zulpiya is 55 years old, a widow and raised four children. To provide a source of income for her family, she has been involved in fattening up and breeding livestock for 20 years. The business, started practically from zero, today, thanks to Zulpiya's persistence and hard work, contains six cattle and 0.83 hectares of land with corn, and yields about 10,000 som (KGS) per month from sale of milk products. In order to further develop her business, Zulpiya requested a loan in the amount of 70,000 som (KGS) from the "Bai-Tushum and Partners" company to buy a dairy cow in order to increase milk volumes. She plans to invest the earnings into a continued business growth, so that she could pay for her youngest daughter's education contract.
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Зулпие 55 лет, вдова, воспитала 4 детей. Зулпия в качестве источника дохода для семьи занимается откормом и разведением скота уже в течение 20 лет. Начатое практически с нуля хозяйство благодаря настойчивости и упорному труду Зулпии насчитывает на сегодня 6 голов крупного рогатого скота, 0,83 га земли с кукурузой и приносит около 10,000 сом (KGS) в месяц от продажи молочных продуктов. В целях дальнейшего развития своего бизнеса, Зулпия обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) на покупку дойной коровы для увеличения надоев. Доходы Зулпия планирует вложить в дальнейшее увеличение хозяйства, чтобы оплатить контракт на обучение младшей дочери.

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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,291,700
    Funds lent in using Kiva
  • 46.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,525 helped Zulpiya to buy a dairy cow in order to increase milk volumes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Aug 29, 2012
Currency Exchange Loss:
Feb 18, 2013