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Kuljamila is a 53-year-old widow and "Hero Mother" who has seven children (three sons and four daughters). Her five eldest children are married and live on their own. In search of supplemental income for her family after the death of her husband, Kuljamila decided to start raising crops and animals. Today she has a small farm with two dairy cows, two calves and 15 head of sheep and goats. She also has .90 hectares of land, where she plants potatoes and beans. With the goal of increasing her business, Kuljamila has turned to the Bai-Tushum Microfinance Bank for a loan of 40,000 som (KGS) to buy calves. Her children help her run her farm and her family is well-respected among the villagers. She plans on using the money from the loan to increase her head of livestock and she wants to make repairs to her home in the future. Kuljamila is one of three people in the "Kelechek-N" group.
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Кулжамиле 53 года, она вдова, мать -героиня, имеет 7 детей (3 сына и 4 дочери). 5 старших детей женаты и проживают отдельно. После смерти мужа в поисках дополнительного дохода для своей семьи Кулжамила решила заняться полеводством и животноводством. На сегодняшний день она имеет небольшое хозяйство, а в хозяйстве у нее имеется: 2 дойные коровы, 2 теленка, и 15 голов мелкого рогатого скота. Также у нее в наличии имеется 0,90 ГА земельного надела, где она ежегодно сажает картофель и фасоль. В целях дальнейшего развития своего хозяйства, Кулжамила обратилась в Микрофинансовый Банк «Бай-Тушум и Партнеры» за кредитом в сумме 40 000 сом(KGS) на покупку телят. На доходы от кредита Кулжамила планирует увеличить поголовье скота, а в будущем хочет сделать ремонт дома.

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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Kuljamila to buy calves.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 21, 2013
Jul 16, 2013
Currency Exchange Loss:
Jan 18, 2015