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Gulsana is a 38-year-old married woman with five children. As her family's main source of income, she works in crop farming and animal husbandry. She started her business in 1994 with 10,000 som. Thanks to persistent hard work, today Gulsana has four dairy cows and their offspring on her farm. Her monthly profit is around 10,000 som. Additionally, from June to November Gulsana cultivates walnut trees on five hectare of rented land and gets a seasonal profit.

With the goal of long term business development, Gulsana turned to the company "Bai-Tushum and Parnters" for a 60,000 som loan to purchase young cаttle for fattening and resale. Gulsana plans to use the extra income from this loan to increasing the number of cattle on her farm, a long-term business investment.
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Гулсане 38 лет, замужем, имеет 5 детей. Гулсана в качестве основного источника дохода для своей семьи, занимается полеводством и животноводством, начав этот бизнес в 1994 году с суммы в 10,000 сом (KGS). Благодаря упорному труду Гулсаны в ее хозяйстве на сегодняшний день имеется 4 дойных коров с приплодом, ежемесячная прибыль от хозяйства составляет около 10,000 сом (KGS). Также Гулсана с июня по ноябрь с семьей выезжает на пастбище, где обрабатывает 5 га арендованной земли с ореховым садом, получая сезонную прибыль.
В целях дальнейшего развития своего бизнеса, Гулсана обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 60,000 сом (KGS) на покупку скота – молодняка для откорма и перепродажи. Доходы от кредита Гулсана планирует вкладывать в развитие бизнеса посредством увеличения поголовья племенного скота.

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
  • $10,746,400
    Funds lent in using Kiva
  • 47.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Gulsana to purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 17, 2012
Oct 1, 2012
Currency Exchange Loss:
Sep 17, 2013