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Elmira is 50 years old, married, and is currently raising 3 children together with her husband. She has a university education, and most of her family’s income comes from raising livestock and growing crops, having started nearly 15 years ago with 10,000 KGS’ worth of cattle. Thanks to her determined efforts, her farm now has 5 dairy cows and 5 horses, as well as 2.55 hectares’ worth of land for growing alfalfa and barley each year, and her monthly income has risen to 10,000 KGS.

To develop her farm further, Elmira is requesting a loan of 100,000 KGS from the microfinance bank Bai Tushum and Partners; she hopes to use the money to buy more cows and increase her herds. She plans on using the additional income that the loan will allow her to continue to buy more cows, as well as to save money for her children’s education.
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Элмире 50 лет, замужем, вместе с супругом воспитывают 3 детей. У Элмиры - высшее образование, в качестве основного дохода для своей семьи Элмира занимается животноводством и полеводством, стартовав 15 лет назад, с покупки скота на 10,000 сом KGS. Благодаря упорному труду Элмиры, в ее хозяйстве на сегодняшний день имеется: 5 дойных коров, 5 лошадей, а также имеет земельный надел размером 2,55 ГА, на которой ежегодно выращивает люцерну и ячмень. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Элмира обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку коров для увеличения поголовья скота. Доходы от кредита Элмира планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на дальнейшее обучение детей.

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
  • 61
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD
A loan of $2,075 helped Elmira to buy cows.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 30, 2013
Sep 13, 2013
Currency Exchange Loss:
Oct 13, 2013