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Maral is 45 years old, divorced, is raising one son on her own, and lives with her aged mother. Maral has a specialized high school education. As a main source of income for her family, Maral is involved in raising livestock, having started ten years ago with the purchase of livestock with 15,000 som (KGS). Through Maral's hard work, she today has on her homestead: three horses, 15 sheep; and also additionally is involved in sewing dowries for brides. Maral's monthly income is 6,000 som (KGS).

With the aim of further developing her homestead, Maral turned to the microfinance bank Bai-Tushum and Partners for a loan of 50,000 som (KGS) to buy sheep to expand the count of livestock on her homestead.

Maral plans to invest income from the loan to further increase the count of livestock, and plans to save money for home repairs.
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Марал 45 лет,разведена, одна воспитывает 1 сына, проживает с престарелой матерью. У Марал - средне-специальное образование, в качестве основного дохода для своей семьи, Марал занимается животноводством, стартовав 10 лет назад, с покупки скота на 15,000 сом KGS. Благодаря упорному труду Марал, в ее хозяйстве на сегодняшний день имеется: 3 лошади, 15 овец, а также дополнительно занимается шитьем приданного для невест. Ежемесячный доход Марал составляет 6,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Марал обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку овец для увеличения поголовья скота в своем хозяйстве. Доходы от кредита Марал планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на ремонт дома.

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
  • 91
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,746,400
    Funds lent in using Kiva
  • 48.7
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,050 helped Maral to buy sheep.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 19, 2013
Sep 6, 2013
Currency Exchange Loss:
Sep 17, 2014