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Elmira is 49 years old and has 3 children. Elmira works as a teacher in a local school and by way of additional income, she has practiced animal husbandry for the last 14 years. She started this business with 10,000 som. Thanks to Elmira's hard work, she currently has two milk cows with offspring and two horses in her stock. In addition, Elmira tills 2.55 hectares of land with potatoes and sainfoin for the cattle to eat. Thanks to the income from the business, Elmira is able to pay for her youngest daughter's education.

For the purpose of the further development of her business, Elmira appealed to the company "Bai-Tushum and Partners" for a loan in the amount of 50,000 som (KGS) for the purchase of cattle for fattening up and reselling. Elmira plans to use the income from the loan to further increase the quantity of her livestock in order to pay for education tuition as well as to build a fence, which she plans to do this year.
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Элмире 49 лет, имеет 3 детей. Элмира работает учителем в местной школе и в качестве дополнительного дохода уже 14 лет занимается животноводством, начав этот бизнес с суммы в 10,000 сом. Благодаря упорному труду Элмиры в ее хозяйстве на сегодняшний день имеется 2 дойные коровы с приплодом, 2 головы лошади. Также, Элмира обрабатывает 2,55 га земли с картофелем и эспарцетом, служащим кормом для скота. Благодаря доходам от бизнеса, Элмира оплачивает обучение младшей дочери.
В целях дальнейшего развития своего бизнеса, Элмира обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку скота для откорма и перепродажи. Доходы от кредита Элмира планирует вложить в дальнейшее увеличение количества домашней скотины, чтобы оплачивать контракт на обучение, и также в этом году планирует построить забор.

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
  • 63
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,298,300
    Funds lent in using Kiva
  • 47.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Elmira to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 28, 2012
Sep 27, 2012
Currency Exchange Loss:
Sep 17, 2013