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Saikal is a 56-year-old wife and mother of five grown children. As her family's main income-provider, she has worked in animal husbandry for many years. She began her business with an initial investment of 10,000 som. Thanks to hard work she now has a developing farm. Her milk and produce sales bring in 9,000 som a month.

With long-term business development in mind, Saikal turned to Bai Tushum and Partners for a 70,000 som loan to purchase a cow and some sheep. Her aim is to increase her income from the resale of cattle. She plans to invest the additional income in long-term business development and the improvement of her family's material well-being.
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Сайкал 56 лет, замужем, имеет 5 взрослых детей. Сайкал в качестве основного источника дохода для своей семьи, на протяжении многих лет занимается животноводством, начав этот бизнес с суммы в 10,000 сом. Благодаря упорному труду Сайкал в ее хозяйстве на сегодняшний день имеется развивающееся хозяйство, продажа молока и доходы от полеводства приносит около 9,000 сом в месяц. В целях дальнейшего развития своего бизнеса, Сайкал обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) на покупку 1 коровы и овец в целях увеличения доходов от перепродажи скота. Доходы от кредита Сайкал будет вкладывать в дальнейшее развитие бизнеса и улучшение благосостояния семьи и внуков.

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
  • 63
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,891,700
    Funds lent in using Kiva
  • 48.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Saikal to purchase a cow and and sheep.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Mar 30, 2013
Currency Exchange Loss:
Oct 17, 2014