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Nazgul is 41 years old and is bringing up a daughter. Nazgul works as a schoolteacher and, as an additional source of income for her family, also raises livestock, having launched this business 19 years ago with a starting capital of 6,000 KGS. Thanks to Nazgul’s hard work, her farm now includes two heads of cattle with their young and 13 heads of small livestock; her revenues from milk sales are about 8,000 KGS.

In order to develop her business further, Nazgul applied to the “Bai Tushum & Partners” microfinance institution for a loan in the amount of 50,000 KGS intended for adding a dairy cow to her livestock. Nazgul plans to invest the resulting revenues into a further growth of her business; her dream is to buy a car.
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Назгул 41 год, воспитывает дочь. Назгул работает в преподавателем в школе и в качестве дополнительного дохода для своей семьи занимается животноводством, стартовав 19 лет назад с суммы (KGS) 6,000 сом. Благодаря упорному труду Назгул в ее хозяйстве на сегодняшний день имеется 2 головы крупного рогатого скота с приплодом, 13 головы мелкого скота, доход от продажи молока составляет около 8,000 сом.
В целях дальнейшего развития своего бизнеса, Назгул обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на увеличение поголовья скота за счет покупки дойной коровы. Доходы от кредита Назгул планирует вложить в дальнейшее приумножение количества домашней скотины, и мечтает купить автомобиль.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,891,700
    Funds lent in using Kiva
  • 48.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Nazgul to purchase a dairy cow.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 1, 2013
May 4, 2013
Currency Exchange Loss:
Aug 18, 2013