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Zarifakhan is a 47-year-old widow with three children. Her two older daughters are married. She lives with her son. Her husband died during the riots of 2010. After the death of her spouse and because he was the breadwinner for the family, Zarifakhan in search of a source of income for her family started a small business making women's dresses in 2011. She started with a sum of 10,000 som (KGS). Business is very good and more importantly Zarifakhan likes this work very much, which gives her a monthly income of 30,000 som (KGS).

With the aim of further developing her business, Zarifakhan turned to the microfinance bank Bai-Tushum and Partners for a loan of 100,000 som (KGS) to buy a new sewing machine and also the materials for production.

With the income from the loan, Zarifakhan wants to increase her inventory and to equip her son.
View original language description ↓
Зарифахан, 47 лет, вдова, имеет 3 детей. Две старшие дочери замужем. Она проживает с сыном. Супруг погиб во время волнений в 2010 году. После смерти супруга, а он был кормильцем семьи, Зарифахан в поисках доходов для своей семьи, начала небольшой бизнес по пошиву женских платьев с 2011 года, стартовав с суммы 10000 сом (KGS). Бизнес очень хороший, а самое главное Зарифахан с удовольствием занимается своей работой-шитьем, которое приносит ей ежемесячный доход в сумме 30000 сом (KGS). В целях дальнейшего развития своего бизнеса, Зарифахан обратилась в микрофинансовый Банк «Бай-Тушум и Партнеры» за кредитом, в сумме 100 000 сом (KGS) на покупку новой инновационной швейной машинки, а также материалов для производства. На доходы от кредита Зарифахан хочет увеличить товарооборот и обустроить 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
  • 76
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Zarifakhan to buy a new sewing machine and materials for sewing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 22, 2013
Aug 2, 2013
Currency Exchange Loss:
Aug 17, 2014