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Ulmaskhon is 49 years old. She was born and raised in the village of Markaz, in the Batken province. She has one son, age 26.

Ulmaskhon's husband helps her with her business. For many years, the main source of income for Ulmaskhon's family has been horticulture. The family cultivates and sells seedlings, a business they started with a capital of 20,000 som. Ulmaskhon's son is also involved in the business, as he has become a skilled gardener. He applies fertilizers to the trees when it is time to do so, and he also treats them.

The borrower owns 0.2 hectare (0.49 acres) of orchard land. She also owns some livestock and makes a monthly income of 5,000 som. It is the second time that she is applying for a loan from "Bai Tushum & Partners". She uses all her loans to expand and develop her business. This time, she is requesting a loan of 100,000 som, which will be used to buy land, seeds and mineral fertilizers. Her goal is to increase the surface area of her land.

Ulmaskhon is, by nature, a very calm and responsible woman. Her success in developing her horticultural business shows proof of her devotion to her work. She says that her main goal in life is to ensure a good future for her son and his family. She is trying to do everything so that her son and grandchildren can enjoy a good life. She plans to use her earnings to expand her business.
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Улмасхон 49 лет, родилась и выросла в Селе Марказ, Баткенской области. У Улмасхон один сын. Ему 26 лет. Муж Улмасхон помогает в ведении бизнеса. В течении многих лет основным источником дохода для семьи Улмасхон является садоводство. Семья выращивает и продает саженцы. Они начали свой бизнес с 20,000 сом. Сын Улмасхон помогает ей в ведении бизнеса, так как он хорошо освоил садоводство, он вовремя удобряет и обрабатывает деревья. У заемщицы имеется 0,2га земли, где находятся сады. Помимо сада в хозяйстве Улмасхон есть скотина. Ежемесячный доход Улмасхон составляет 5,000 сом. Улмасхон Обратилась в «Бай Тушум и партнеры» в второй раз, все кредиты она использовала для расширения и развитие бизнеса. В этот раз она запросила 100,000 сом. На полученные деньги она хочет закупить землю, семена и минеральные химикаты для удобрения земли в целях увеличения площади сада. По своему характеру Улмасхон очень спокойная и ответственная женщина. Результаты и состояние хозяйства заемщицы говорит о её трудолюбии. Улмасхон рассказала что главной целью жизни считает будущее сына и его семьи. Она старается делать все что бы у её сына и внуков в жизни было хорошо. На вырученные средства Улмасхан собирается расширять свой бизнес.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,891,700
    Funds lent in using Kiva
  • 47.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Ulmaskhon to buy land and young plants.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 18, 2012
Nov 19, 2012
Currency Exchange Loss:
Nov 17, 2013