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Jeniskul is 54 years old, a widow, and the mother of four. Jeniskul’s husband has died prematurely. She had launched her business together with her husband. After he passed away, she was left to raise the children and face all life challenges on her own. In spite of all problems, she remains optimistic and upbeat. She believes in a better future for her family. Jeniskul finds support in her children, who actively help out on the farm. As the main source of income for her family, Jeniskul raises livestock and grows produce. Thanks to her perseverance and hard work, Jeniskul has been able to develop her business from a starting sum of 1,200 KGS; today, the monthly income from her business is 9,000 KGS. In order to develop her business further, Jeniskul turned to “Bai Tushum and Partners” for a loan in the amount of 80,000 KGS to buy two cows and five sheep, to increase revenues from milk and cattle sales. Jeniskul plans to use the revenues resulting from her loan to expand her livestock. She dreams of being able to renovate her house.
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Женискуль 54 года, вдова, имеет 4 детей.Муж Женискуль скоропостижно скончался. Они начинали свой бизнес с мужем, после его смерти она осталась с детьми одна со всеми житейскими проблемами. Несмотря на все проблемы она остается все такой же жизнерадостной и веселой. Она твердо уверена в светлое будущее своей семьи. Опорой для Женискуль являются её дети, кторые активно помогают по хозяйству. Женискуль в качестве основного источника дохода для семьи занимается животноводством и полеводством. Благодаря настойчивости и упорному труду, Женискуль сумела развить свой бизнес с 1,200 KGS сегодня ежемесячный доход бизнеса составляет 9,000 сом (KGS). В целях дальнейшего развития своего бизнеса, Женискуль обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS) на покупку 2 коров и 5 овец, для увеличения прибыли о продажи молока и перепродажи скота. Доходы от кредита Женискуль планирует вложить в расширение увеличения количества скотины. Она мечтает сделать дома ремонт.

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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,761,325
    Funds lent in using Kiva
  • 47.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,675 helped Jeniskul to purchase 2 cows and 5 sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Feb 21, 2013
Currency Exchange Loss:
Feb 17, 2014