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Raziya is 54 years old, divorced, and is raising two sons on her own. In 2003, Raziya began a business trading food products, using as starting capital an amount of 5,000 som (KGS). Having managed to grow her business and to find loyal customers, Raziya has an average monthly income of 10,000 som (KGS). Thanks to her hard work in the business, Raziya was able to increase her turnover of goods.

In order to further improve and expand her business, Raziya turned to the microfinance bank Bai-Tushum and Partners for a loan of 50,000 som (KGS) for the wholesale purchase of food products for further resale at a retail price.

Raziya plans to invest income from the loan in the welfare of her family, as well as plans to save money for her younger son's wedding.
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Разие 54 года, разведена, одна воспитывает 2 сыновей. В 2003 году Разия начала бизнес в торговле продуктами питания, используя в качестве стартового капитала сумму в 5,000 сом (KGS). Сумев развить свой бизнес и обретя постоянных клиентов, Разия имеет среднемесячный доход в сумме 10,000 сом (KGS). Благодаря упорному труду в бизнесе, Разия смогла увеличить товар в обороте. В целях дальнейшего увеличения и расширения своего бизнеса, Разия обратилась в Микрофинансовый банк «Бай-Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) для оптовой покупки продуктов питания с дальнейшей розничной перепродажей. Доходы от кредита Разия планирует вложить в благосостояние своей семьи, а также намерена накопить денежные средства на проведение свадебного торжества младшему сыну.

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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 48.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Raziya to buy food products for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 15, 2013
Aug 23, 2013
Currency Exchange Loss:
Sep 17, 2014