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Kulnara is 48 years old, divorced, and has 4 children. She was educated in a vocational high school. She now sells men's and women's clothing at the central market of her city. Her goal in life is to improve her living conditions, to send her children to a good university, and of course to expand her business. She is very kind, sociable, intelligent and energetic. She began her business in 1995 with a start-up capital of only 1,000 Kyrgyzstan Som (KGS.) Today, she has a turnover of 70,000 Som. For the purpose of further developing her business, Kulnara has now approached Bai Tushum & Partners for a loan of 50,000 Som to increase her turnover by expanding her range of goods. She will use the income generated by this loan for the future development of her business.
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Кулнара 48 лет, разведена. Образование средне-специальное занимается торговлей мужской и женской одежды на центральном рынке. Мать 4 детей. Ей цель жизни, это улучшить жизненные условия, обучить детей в хорошем университете и конечно же расширить бизнес. Кулнара очень добрая, общительная, умная и шустрая. Кулнара начала свой бизнес в 1995 году начальная сумма вклада составляла 1,000 KGS. На сегодняшний день Кулнара имеет 70.000 KGS в обороте. В целях дальнейшего расширения своего бизнеса, она обратилась в Компанию «Бай – Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на увеличение товарооборота за счет увеличения ассортимента товара. На доход полученный от кредита она будет вкладывать в дальнейшее развитие своего бизнеса.

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
  • $11,308,175
    Funds lent in using Kiva
  • 47.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Kulnara to purchase goods to increase the assortment.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 6, 2013
Mar 15, 2013
Currency Exchange Loss:
Feb 17, 2014