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Gulniza is 24 years old and unmarried. She has a secondary, specialized education. She lives with her little sister in their own apartment. Her parents left to work in Russia. She has lived for many years with her little sister. Her little sister studies at secondary school. Her purpose in life is to improve her living conditions, get her little sister an education at a good university and, of course, expand her business. Gulniza is a very kind, gregarious, intelligent and sharp young woman.

Gulniza started her business three years ago with an initial investment of 85,000 KGS. Today, Gulniza's retail business totals 150,000 KGS. In the marketplace, Gulniza sells men's clothing. Additionally, Gulniza works as a nurse in the city hospital.

For the purpose of expanding her business, she reached out to the Bai Tushum and Partners Company for a loan in the amount of 60,000 som (KGS). This loan is for the expansion of her retail business through the purchase of a winter assortment of insulated clothes. With the income received from the loan, she wants to help her parents.
View original language description ↓
Гульниза 24 года, не замужем. Образование средне специальное. Живет вместе с сестренкой в собственной кваритире. Родители уехали в Россию на заработки. Долгие годы она живет с сестренкой. Сестренка учиться в Средней школе. Ей цель жизни, это улучшить жизненные условия, Обучить сестренку в хорошем университете и конечно же расширить бизнес. Гульниза очень добрая, общительная, умная и шустрая девочка.
Гульниза начала свой бизнес 3 года назад начальная сумма вклада составляла 85,000 KGS. Сегодня Товарооборот Гулизы составляет 150,000 KGS. На местном рынке Гульниза занимается реализацией мужской одежду. Дополнительно Гульниза работает медсестрой в городской больнице
В целях дальнейшего расширения своего бизнеса, она обратилась в Компанию «Бай – Тушум и Партнеры» за кредитом в сумме 60,000 сом (KGS) на увеличение товарооборота за счет покупки зимнего ассортимента утепленных вещей.
На доход полученный от кредита она хочет помочь родителям.

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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,317,750
    Funds lent in using Kiva
  • 47.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Gulniza to expand her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 18, 2012
Nov 5, 2012
Currency Exchange Loss:
Mar 15, 2013