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Ayat is 42 years old, married and has three children (two daughters and one son). She has secondary education. After finishing high school, Ayat got married. She works as an operator at a gas station. Her husband works with providing passengers services to the public.

Since 1991 Ayat has been engaged in livestock breeding and field crop cultivation, after having started this business with an amount of 15,000 som (KGS). The family's monthly income is 15,000 som (KGS). Thanks to Ayat's patience and persistent work, she currently has a small farm with four dairy cows. Further she has 1 hectare of irrigated land available, on which she grows clover, sweet corn and potatoes. The income made it possible for Ayat to multiply the number of livestock, and thereby increase the family's well-being.

With an aim to further develop her business, Ayat turned to the microfinance bank "Bai Tushum & Partners" for a loan in the amount of 50,000 som (KGS) for the purchase of livestock. Ayat plans to invest the income from the loan in further increasing the number of livestock. In the near future, they would like to build a dacha (second/seasonal home).
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Аят, 42 года, замужем, имеет 3 детей (2 дочери и 1 сын). Образование-среднее. После окончания средней школы Аят рано вышла замуж. Работает на автозаправочной станции, в должности оператора. Супруг занимается предоставлением пассажирских услуг населению. С 1991 года занимается сельским хозяйством- животноводством и полеводством, начав этот бизнес с суммы 15 000 сом(KGS). Ежемесячная прибыль ее семьи составляет 15000 сом(KGS). Благодаря упорному труду и терпению Аят, на сегодняшний день она имеет небольшое хозяйство: 4 дойные коровы. Также в наличии имеет 1 ГА поливной земли, на которой выращивает: клевер, кукурузу и картофель. Прибыль позволила Аят размножить скот в домашнем хозяйстве и тем самым улучшить семейное благосостояние. В целях дальнейшего развития своего бизнеса, Аят обратилась в Микрофинансовый Банк «Бай-Тушум и Партнеры» за кредитом в сумме 50 000 сом (KGS) на покупку скота. Доходы от кредита Аят планирует вложить в дальнейшее увеличение количества скота.В ближайщем будущем хотят построить дачу.

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
  • 88
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,750,525
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,050 helped Ayat to purchase cows and sheep.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 21, 2013
Jul 8, 2013
Currency Exchange Loss:
Jul 17, 2014