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Gulnaz is 31 years old. She does not yet have children. While searching for new sources of income in 2009, she started her own business in clothing retail with an initial investment of 6,000 som. Thanks to hard work and persistence she was able to develop her business so that it provides her with a monthly income of 20,000 som.

She does not have an abundance of clothing for the upcoming season. Hence, she has turned to Bai Tushum and Partners for a 110,000 som loan to purchase an assortment of clothing. She plans to invest the income from the loan in improving her family's standard of living. She dreams of having her own children.
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Гулназ 31 год,детей пока нет. Гулназ в 2009 году, в поисках источника дохода, она начала свой бизнес в розничной торговле швейными изделиями со стартовой суммой в 6,000 сом (KGS). Благодаря настойчивости и упорному труду, Гулназ сумела развить свой бизнес с ежемесячным доходом в 20,000 сом (KGS). На сегодняшний день ассортимент товаров на идущий сезон не представлен в изобилии, и по этой причине Гулназ обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 110,000 сом (KGS) на увеличения ассортимента товаров. Доходы от кредита Гулназ планирует вложить в улучшения благосостояния семьи.И мечтает иметь собственных детей.

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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 47.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,325 helped Gulnaz to increase her assortment of clothes for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Mar 16, 2013
Currency Exchange Loss:
Feb 17, 2014