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Nazgul is 36 years old, married, and she and her husband have three children. In 2007, Nazgul and her husband used 10,000 KGS to start farming to supplement their income. Because of her hard work, Nazgul now has two cows, ten sheep, one horse, and 2.4 hectares of arable land on her farm. The farm's monthly income from crops and livestock is about 7,500 KGS. In order to further expand her business, Nazgul turned to Bai-Tushum and Partners for a loan of 80,000 KGS to buy one cow and tractor parts. The tractor must be ready for the spring plowing. Nazgul plans to invest the income from the loan into expanding her business by buying more cattle and into improving the family's standard of living. Nazgul's primary goal is to raise her children and give them a good education.
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Назгуль 36 лет, замужем. У них с мужем трое детей. Назгуль с мужем в качестве источника дохода для своей семьи, в 2007 году начала заниматься полеводством и животноводством, начав этот бизнес с суммы в 10,000 KGS. Благодаря упорному труду Назгуль в ее хозяйстве на сегодняшний день имеется 2 коровы, 10 баранов и одна лошадь и 2,4 га обрабатываемой земли. Ежемесячная прибыль от хозяйства составляет около 7,500 сом (KGS) от полеводства и животноводства. В целях дальнейшего развития своего бизнеса, Назгуль обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS) на покупку 1 коровы и детали для трактора. Трактор необходимо подготовить для весенних пахотных работ. Доходы от кредита Назгуль планирует вкладывать в развитие бизнеса посредством покупки дополнительных голов скота и для улучшения материального благосостояния семьи. Основная цель Назгуль это вырастить детей и дать им хорошее образование.

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
  • 71
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 47.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Nazgul purchase more cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Jan 24, 2013
Currency Exchange Loss:
Aug 17, 2014