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Glujamal is 24 and single. She has a high school diploma, and good references from her neighbors. As the sole source of income for her family, Glujamal has been selling DVDs since 2008. She started the business with 2,000 som KGS. Thanks to her hard work, she has succeeded in developing and expanding her product inventory, and her business brings in nearly 10,000 som KGS per month. This mainly covers her expenses for food and the family's everyday needs. The business's income has enabled Glujamal to increase her sales. With the goal of further expanding her business, Glujamal has applied for a loan at Bai Tushum & Partners in the amount of 100,000 som (KGS) to buy wholesale DVDs for resale. Glujamal plans to invest the proceeds from the loan into further expanding her business, and to buy an apartment some day.
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Гулжамал 24 года, незамужем. У Гулжамал среднее образование, имеет очень хорошие отзывы от своих соседей. Они отзываются о ней как о доброй и трудолюбивой девушке. Гулжамал в качестве основного дохода для своей семьи, с 2008 года занимается торговлей DVD-дисками, начав этот бизнес с 2,000 сом KGS. Благодаря упорному труду Гулжамал, она смогла развить и расширить свой товар, ее деятельность приносит около 10,000 сом KGS в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи. Доходы от бизнеса позволили Гулжамал расширить свой товарооборот. В целях дальнейшего развития своего бизнеса, Гулжамал обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку оптовых товаров DVD-дисков для дальнейшей перепродажи. Доходы от кредита Гулжамал планирует вложить в дальнейшее увеличение своего бизнеса, а также в будущем намерена купить квартиру.

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
  • $11,315,525
    Funds lent in using Kiva
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Guljamal to buy DVDs for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Aug 16, 2013
Currency Exchange Loss:
Sep 17, 2014