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Gulmira is 40 years old, married and has five children (four daughters and a son). She finished high school and has had her own business since 2007 when she started it with 25,000 KGS. She mostly sells food products at a rural market. She receives additional income from a bit of livestock, she owns one dairy cow, and one calf. Her husband and children actively help her with the business. Thanks to her hard work and optimism, Gulmira has a monthly income from her business of around 8,000 KGS. Her profits have allowed her to increase her turn over and, in turn, improve her family's well-being. With the goal of further developing her business, Gulmira has turned to Bai Tushum and Partners for a loan of 70,000 KGS to buy food goods to resale. She plans to use the income from the loan to reinvest in inventory as well as to improve her family's circumstances.
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Гульмира, 40 лет, замужем, многодетная мать, имеет 5 детей (4 дочери и 1 сын). Образование-среднее. Бизнесом занимается с 2007 года, начав с суммы в 25000 сом (KGS). В основном торгует продуктами питания на сельском рынке. Дополнительным доходом является небольшое хозяйство: 1 дойная корова, 1 теленок. Супруг и дети активно помогают по бизнесу. Благодаря упорному труду и оптимистичному характеру Гульмиры, ежемесячный доход от бизнеса составляет 8000 сом (KGS). Прибыль позволила Гульмире увеличить товар в обороте и, тем самым, улучшить семейное благосостояние. В целях дальнейшего развития своего бизнеса, Гульмира обратилась в «Бай-Тушум и Партнеры» за кредитом в сумме 70 000 сом (KGS) на пополнение товаров в обороте. Доходы от кредита Гульмира планирует вложить в дальнейшее увеличение товаров, а также хочет улучшить благосостояние своей семьи.

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
  • 76
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Gulmira to buy food for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 5, 2013
Jul 17, 2013
Currency Exchange Loss:
Aug 17, 2014