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Gulmira is 48, divorced and the mother of 4. She has a college degree, and teaches at the local school. After her husband died, she looked for new sources of income and decided get into farming and animal husbandry. She started the business with 12,000 som (KGS), and used this money to buy 3 sheep. Thanks to her backbreaking efforts and productive work, Gulmira increased her farm's animal herd and began to earn a monthly income of 15,000 som (KGS). Today Gulmira's farm has 2 dairy cows and 4 calves. She also has 2.72 hectares of land planted in beans. Gulmira has turned out to be both hardy and patient, and after the death of her husband, she has been providing for her family all by herself. WIth the goal of expanding her farm business, Gulmira has turned to the Bai Tushum & Partners Microloan bank for a loan in the amount of 100,000 som (KGS) to buy young bulls for fattening and later resale. Gulmira plans to invest the proceeds from the loan into further expanding her small farm business and in the future wants to save money for her oldest son's wedding.
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Гулмира, 48 лет, вдова, мать 4 детей. Образование-высшее, работает преподавателем в местной школе. После смерти мужа, в поисках дополнительных доходов для своей семьи решила заняться полеводством и животноводством. Бизнес начала с 12 000 сом (KGS), купив на эти деньги 3 овцы. Благодаря ее непосильному труду и емкой работе Гулмира увеличила поголовье своего скота в хозяйстве и стала получать ежемесячную прибыль в сумме 15000 сом (KGS). На сегодняшний день в хозяйстве Гулмиры имеется: 2 дойные коровы и 4 теленка. Также в наличии имеет 2,72 ГА земельного надела на обработку и посадку фасоли. Гулмира оказалась выносливой и терпеливой и после смерти мужа сама обеспечивает свою семью. В целях дальнейшего развития своего хозяйства, Гулмира обратилась в Микрофинансовый банк «Бай-Тушум и Партнеры» за кредитом в сумме 100 000 сом (KGS) на покупку бычков для откорма и дальнейшей перепродажи. Доходы от кредита Гулмира планирует вложить в дальнейшее развитие своего небольшого хозяйства и в будущем хочет собрать денежные средства на свадьбу старшего сына.

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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,773,100
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Gulmira to buy young bulls for fattening and resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 5, 2013
Jul 12, 2013
Currency Exchange Loss:
Aug 17, 2014