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Elmira is 40 years old, married and the mother of 6 children (one son and five daughters). She has secondary education.

Together with her husband she started a farming business many years ago with a small sum of 15,000 som (KGS). Her husband earns money providing different services to the population, while Elmira has seasonal work in a bakery. At the farm they have three dairy cows, three calves, one sheep and one horse. The monthly income is 8,000 som (KGS) from selling milk from the three cows. The income enabled Elmira to multiply the number of livestock at the farm and thereby improve the family's well-being.

With an aim to further develop her business, Elmira turned to our microfinance bank "Bai Tushum & Partners" for a loan in the amount of 50,000 som (KGS) for the purchase of a horse. Elmira plans to invest the income from the loan in repairing her house and also for the education of the oldest daughter.
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Элмира, 40 лет, замужем, многодетная мама 6 детей (1 сын 5 дочерей). Образование среднее. Вместе с супругом начали заниматься сельским хозяйством много лет назад с небольшой суммы в 15000 сом (KGS). Супруг подрабатывает оказывая всяческие услуги населению, сама посезонно работает в хлебо-булочной пекарне. В хозяйстве имеет: 3 дойные коровы, 3 теленка, 1 овцу и 1 лошадь.Ежемесячный доход 8000 сом (KGS) от продажи молока 3 коров. Прибыль позволила Элмире размножить скот в домашнем хозяйстве и тем самым улучшить семейное благосостояние. В целях дальнейшего развития своего хозяйства, Элмира обратилась в наш Микрофинансовый Банк «Бай-Тушум и Партнеры» за кредитом в сумме 50 000 сом (KGS) на покупку лошади. Доходы от кредита Эльмира планирует вложить в ремонт дома, а также на образование старшей дочери.

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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,291,700
    Funds lent in using Kiva
  • 48.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Elmira to purchase a horse.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 14, 2013
Jul 5, 2013
Currency Exchange Loss:
Jul 17, 2014