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Naarkul is 59 years old, married, and has two adult children. She has specialized secondary education. Since 1982 she has worked with farming - livestock breeding and field crop cultivation - after having started this business with a sum of 9,000 som (KGS). Her husband and children help her with the business.

Thanks to Naarkul's persistent work, she currently has a good farm: One dairy cow, one steer and five sheep. She also has 3.15 hectares of irrigated land available, on which she plants wheat and barley every year. The income allowed Naarkul to multiply the number of livestock at the far, and thereby improve the family's well-being.

With an aim to further develop her business, Naarkul turned to the microfinance bank "Bai Tushum & Partners" for a loan in the amount of 100,000 som (KGS) for the purchase of steers. Naarkul plans to invest the income from the loan in further increasing the number of livestock, and in the future she also plans to repair her house.
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Нааркул, 59 лет, замужем, имеет двух взрослых сыновей. Образование-средне-специальное. С 1982 года занимается сельским хозяйством- животноводством и полеводством, начав этот бизнес с суммы 9,000 сом KGS. Супруг и дети помогают по бизнесу. Благодаря упорному труду Нааркул, на сегодняшний день она имеет хорошее хозяйство: 1 дойная корова, 1 бычок и 5 овец. Также в наличии имеет 3,15 ГА поливной земли на которой ежегодно сажает пшеницу и ячмень. Прибыль позволила Нааркул размножить скот в домашнем хозяйстве и тем самым улучшить семейное благосостояние. В целях дальнейшего развития своего бизнеса, Нааркул обратилась в Микрофинансовый Банк «Бай-Тушум и Партнеры» за кредитом в сумме 100 000 сом (KGS) на покупку бычков. Доходы от кредита Нааркул планирует вложить в дальнейшее увеличение количества скота, а также в будущем планирует отремонтировать дом.

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

  • $2,100
    Average annual income
  • 143
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,432,150
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,050 helped Naarkul to purchase steers.
96% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 8, 2013
Currency Exchange Loss:
Jan 18, 2015