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Serikul is 54 years old, a widow, and has two children. After the death of her husband, Serikul did not give up and started to live again with renewed vigor, and was helped by her children: her daughter and son. On her own, Serikul has been working as head of a military dining hall and has a specialist high school education. Serikul is known as a principled, honest, decent and trustworthy person. In searching for an additional source of income for her family, Serikul in 1994 started her own business fattening livestock. Starting with 10,000 som (KGS), her farm today brings a monthly income of 8,000 som (KGS). On her farm, Serikul has: two dairy cows. She also has a plot of land measuring 2.0 hectares, where she mainly grows beans. Serikul's children are working and materially assisting their mother.

In order to further develop her farm, Serikul turned to the microfinance bank Bai-Tushum and Partners for a loan of 50,000 som (KGS) for the purchase of mineral fertilizers and fuel for cultivating the land.

Serikul plans to use income from the loan for development of her homestead and intends to build a house in the future.
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Серикул 54 года, вдова и имеет 2 детей. После смерти мужа Серикул не сдалась, а начала жить заново с новыми силами, ей помогли пережить смерть мужа ее дети: дочь и сын. Сама Серикул работает начальником военного стола, имеет средне-специальное образование.Серикул известна как принципиальный, честный, порядочный и надежный человек. В поисках дополнительного источника дохода для своей семьи, в 1994 году Серикул начала свой бизнес в откорме скота. Стартовав с 10,000 сом (KGS), на сегодняшний день её хозяйство приносит ежемесячную прибыль в сумме 8,000 сом (KGS). В хозяйстве у Серикул имеется: 2 дойные коровы. Также имеет земельный надел размером 2,0 ГА, где в основном выращивает фасоль. Дети Серикул работают и материально помогают матери. Для дальнейшего развития своего хозяйства, Серикул обратилась в Микрофинансовый банк «Бай – Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку минеральных удобрений и ГСМ для обработки земли. Доходы от кредита Cерикул планирует использовать для развития своего хозяйства и намерена построить дом в будущем.

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
  • 81
    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 $1,025 helped Serikul to buy fertilizer and fuel.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 9, 2013
Aug 9, 2013
Currency Exchange Loss:
Feb 17, 2014