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Yulya is married and has a daughter. Yulya has secondary education, and got married right after graduating from high school. She is a very kind person and has a good reputation among her neighbours, who like and support her.

To provide a source of income for her family, Yulya started selling women's clothing in early 2012, launching her business with a sum of 80,000 KGS. Thanks to her hard work, the business is currently worth 130,000 KGS, with monthly profits totalling roughly 15,000 som (KGS). In order to continue developing her business, Yulya has turned to Bai Tushum & Partners for a loan of 120,000 som (KGS) to purchase clothing for teenagers for a new store she has just rented. She plans to invest her profits from this loan into further expansion of her business by expanding the range of merchandise in her shop, as well as increasing the number of shops she operates. Her priority is to care for her daughter and provide him with quality education.
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Юля, замужем, одна дочка. Юля имеет среднее образование, после окончания школы сразу вышла замуж. По характеру очень хороший человек. Имеет хорошие отзывы от соседей. Они её любят и поддерживают. Юля в качестве источника дохода для своей семьи, в начале 2012 года, начала заниматься торговлей женской одежды, начав этот бизнес с суммы в 80,000 KGS. Благодаря упорному труду Юля в ее хозяйстве на сегодняшний день имеется 130,000 KGS в обороте, ежемесячная прибыль от хозяйства составляет около 15,000 сом (KGS). В целях дальнейшего развития своего бизнеса, Юля обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 120,000 сом (KGS) на покупку подростковой одежду в новый магазин который она арендовала. Доходы от кредита Юля планирует вкладывать в развитие бизнеса посредством увеличения ассортимента товара в магазине, и увеличения количества магазинов . Забота о дочке и обеспечение хорошего образования для него, это приоритетная задача для Юля.

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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,891,700
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Yulya to purchase clothes for her second shop.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 18, 2012
Jan 14, 2013
Currency Exchange Loss:
Dec 17, 2013