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Gulbara is 50 years old, married and is raising three children together with her husband. Gulbara has secondary education. As a main income for her family, Gulbara works with livestock breeding and field crop cultivation, after having started 28 years ago with the purchase of livestock for 2,000 som (KGS). Thanks to Gulbara's persistent work, her farm currently has two dairy cows, one calf, four horses and she also has a plot of land of 2.15 hectares. Every year she grows beans, bell peppers, clover, potatoes and cabbage on this land. The monthly income is 17,000 som (KGS).

With an aim to further develop her business, Gulbara turned to the microfinance bank "Bai Tushum & Partners" for a loan in the amount of 50,000 som (KGS) for the purchase of nitrate to work the land. Gulbara plans to invest the income from the loan in increasing the number of livestock and plans to save money to purchase furniture.
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Гулбаре 50 лет, замужем, вместе с супругом воспитывают 3 детей. У Гулбары - среднее образование, в качестве основного дохода для своей семьи Гулбара занимается животноводством и полеводством, стартовав 28 лет назад, с покупки скота на 2,000 сом KGS. Благодаря упорному труду Гулбары, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 1 теленок, 4 лошади, а также имеет земельный надел размером 2,15 ГА, на которой ежегодно выращивает: фасоль, болгарский перец, клевер, картошку, капусту. Ежемесячный доход составляет 17,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гулбара обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку селитры для обработки земли. Доходы от кредита Гулбара планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на покупку мебели.

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
  • 74
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 48.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Gulbara to purchase nitrate.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 1, 2013
Currency Exchange Loss:
Sep 17, 2014