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Update on Zeby

Zeby is 47 years and is married with three children. In 2011, in addition to livestock and agriculture, Zeby's family started to sell food products. Starting with the sum of 60,000 som (KGS), the store brings in about 20,000 som per month now. The income from this increased business will allow Zeby to look after her family and improve their living conditions. She has explained that she has a small assortment of goods in her store and she needs to increase her offerings so her sales can improve. With the goal of increasing her business, Zeby has turned to Bai-Tushum and Partners for the second time for a loan of 50,000 som (KGS) to buy goods for resale in her store.
View original language description ↓
Зеби 47 лет, замужем, воспитывает трех детей.В 2011 году кроме животноводства и растениеводства семья Зеби начала заниматься торговлей продуктами питания. Стартовав с начальной суммы в 60,000 сом (KGS), на сегодняшний день, ее магазин приносит около 20,000 сом в месяц. Доходы от бизнес – деятельности Зеби намерена вкладывать в развитие семьи и улучшение жилищных условий. Как она объяснила в магазине у нее мало товаров, для того чтобы увеличить продажи и получить больше прибыли ей необходимо увеличить ассортимент. В целях дальнейшего развития своего бизнеса и увеличения ассортимента, Зеби обратилась в компанию «Бай – Тушум и Партнеры» второй раз за кредитом в сумме 50,000 сом (KGS) на покупку товаров в магазин, для последующей реализации.

Previous Loan Details

Zeby is 46 years old, married and raising three children. The main source of income for Zeby's family is animal husbandry, started by her in 2006. Having started with a sum of 32,000 som (KGS), her farm today brings in around 14,000 som (KGS) per month. The income from the business allowed Zeby t... More from Zeby's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 70
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,305,375
    Funds lent in using Kiva
  • 47.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Zeby to purchase goods for reselling.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 29, 2012
Nov 27, 2012
Currency Exchange Loss:
Feb 17, 2013