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Kayragul is 51 years old, married and a mother of three children. Throughout the period of getting the loan, she showed herself as a responsible, decent, conscientious and entrepreneurial person with a sense of duty and knowing how to correctly direct and invest monetary means to the needed purpose. To provide the primary source of income for her family, Kayragul has been involved in animal husbandry and farming since 1992, having started this business with a sum of 100,000 KGS. Thanks to her hard work, her business yields about 15,000 KGS per month, which serves as the foundation for covering expenses for food and consumer needs of the family. Kayragul also works on 1.80 hectares of land with wheat, beans, vegetables and perennial herbs. At this time, she has a very developed business that contains six cows, 25 sheep and 55 goats. The income from the business allowed Kayragul to provide education for her children. In order to further develop her business, Kayragul requested a loan in the amount of 130,000 som (KGS) from the "Bai-Tushum and Partners" company to buy bulls and sheep. She plans to invest the earnings from the loan into further growing her business and to save some of the income for her son's education in Bishkek and dreams of buying a house for her son in Bishkek.
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Кайрагул 51 год, замужем,мать 3 детей. За период оформления кредита Кайрагул показала себя как человек ответственные, порядочный, добросовестный, предприимчивый и с чувством долга умеющий правильно вести и вкладывать денежные средства в нужное направление. Кайрагул в качестве основного дохода для своей семьи, с 1992 года занимается животноводством и полеводством, начав этот бизнес с 100,000 KGS. Благодаря упорному труду Кайрагул, ее деятельность приносит около 15,000 KGS в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи. Также Кайрагул возделывает 1,80 га земли с пшеницей, фасолью, овощами и многолетними травами. за это время у неё очень развитое хозяйство, в хозяйстве имеется 6 голов коров,25 овец, 55 коз. Доходы от бизнеса позволили Кайрагул дать образование своим детям. В целях дальнейшего развития своего бизнеса, Кайрагул обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на покупку бычков и овец. Доходы от кредита Кайрагул планирует вложить в дальнейшее увеличение своего бизнеса, часть доходов планирует копить на обучение сына в Бишкеке и мечтает купить дом для сына в Бишкеке.

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
  • 70
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,319,275
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,750 helped Kayragul to buy bulls and sheep.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Dec 16, 2012
Currency Exchange Loss:
Oct 17, 2013