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Kulbarchin is a member of the "Zhakshylyk" group. She is 57 years old and lives with her husband. Kulbarchin is a cheerful, kind and honest woman. Kulbarchin is a Mother Heroine [note: this is a title from Soviet times, given to mothers of large families], as she and her husband raised 8 children, most of whom now live in Bishkek. After the fall of the USSR, Kulbarchin began working in agriculture - animal husbandry and milk sales. Her husband helps her with the farming. Thanks to her hard work and determination, today their farm is very developed and well-maintained. The monthly income of their family is approximately 3,000 Kyrgyzstan Som (KGS). Because livestock prices are currently low, Kulbarchin wants to increase the number of livestock she has, and has approached Bai Tushum & Partners for a loan of 100,000 KGS to buy 12 sheep and 1 cow. She plans to use the income that will be generated by this purchase to increase her herd and thus improve her standard of living. In the future, she plans to further increase her herd, which will help to realize her long-held dream of building a house.
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Кульбарчын состоит в группе "Жакшылык". Кульбарчын 57 лет,проживает с мужем, на пенсии.По характеру Кульбарчын очень жизнерадостная, добрая, честная и оптимистичная женщина.Кульбарчын является Матерью-героиней(для информации - в Советском Союзе такое звание присваивалось матерям больших семей) -она с мужем воспитала 8 детей, большая часть из которых сегодня проживает в столице Бишкек.После распада СССР, Кульбарчын начала заниматься сельским хозяйством - животноводством и продажей молока. Муж Кульбарчын помогает ей по хозяйству. Благодаря их трудолюбию и целеустремленности на сегодняшний день у них очень развитое и ухоженное хозяйство, ежемесячный доход семьи составляет около 3,000 сом (KGS). В целях дальнейшего увеличения поголовья скота, Кульбарчын обратилась в Компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS)на покупку 12 голов овец и 1 коровы, так как сейчас это выгодная покупка в связи с низкими ценами на скот. За счет доходов от полученного кредита планируют увеличить поголовье скота и соответственно улучшить условия жизни.В будущем Кульбарчын собирается также увеличивать поголовье скота, что поможет ей осуществит давнюю мечту - построить дом.

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
  • $11,295,000
    Funds lent in using Kiva
  • 47.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Kulbarchin to buy 12 sheep and 1 cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 27, 2012
Oct 28, 2012
Currency Exchange Loss:
Nov 17, 2013