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Kulnasiyna is 50 years old and has raised 6 children. She works as a cook in a local school and, as a supplementary source of income for her family, cultivates crops and raises livestock, having started her business 13 years ago with a sum of 5,000 som (KGS). Thanks to Kulnasiyna's hard work, her herd presently includes 2 cows with offspring, 15 goats and sheep, as well as 2 horses, while the monthly income from her business amounts to roughly 6,000 som (KGS). Kulnasiyna's business profits have allowed her to pay for her children's education.

In order to continue developing her business, Kulnasiyna has turned to Bai Tushum & Partners for a loan of 120,000 som (KGS) to purchase 2 cows and 8 sheep or goats for fattening and resale. She plans to reinvest her profits from this loan into her business by purchasing a plot of land.
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Кулнасийне 50 лет, воспитала 6 детей. Кулнасийна работает поваром в местной школе и в качестве дополнительного источника дохода для своей семьи, на протяжении 13 лет занимается полеводством и животноводством, начав этот бизнес с суммы в 5,000 сом (KGS ). Благодаря упорному труду Кулнасийны в ее хозяйстве на сегодняшний день имеется 2 головы крупного рогатого скота с приплодом, 15 голов мелкого рогатого скота, 2 лошади, ежемесячная прибыль от хозяйства составляет около 6,000 сом (KGS). Доходы от хозяйства позволили Кулнасийне оплачивать обучение для своих детей.
В целях дальнейшего развития своего бизнеса, Кулнасийна обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 120,000 сом (KGS) на покупку 2 коров и 8 голов мелкого рогатого скота для откорма и перепродажи. Доходы от кредита Кулнасийна планирует вкладывать в развитие бизнеса посредством покупки земельного участка.

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
  • 69
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,308,175
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Kulnasiyna to purchase livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 17, 2012
Sep 10, 2012
Currency Exchange Loss:
Sep 17, 2014