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Gulbara is a 58-year-old widow. After the death of her husband, she was left alone to raise three children and to run her homestead. Gulbara has a high school education. As a main source of income for her family, Gulbara is engaged in raising livestock, having started 24 years ago with the purchase of cattle for 1,000 som KGS. Thanks to Gulbara's hard work, she today has on her homestead: two dairy cows and 20 sheep. Monthly income is 5,000 som (KGS).

With the aim of further developing her homestead, Gulbara turned to the microfinance bank Bai-Tushum and Partners for a loan of 80,000 som (KGS) to buy a cow with calf.

Gulbara plans to invest income from the loan to further increase the count of domestic animals, and plans to save resources to put on a wedding celebration for her son.
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Гулбаре 58 лет, вдова, после смерти мужа сама воспитывает троих детей, а также ведет свое хозяйство. У Гулбары - среднее образование, в качестве основного дохода для своей семьи Гулбара занимается животноводством, стартовав 24 года назад, с покупки скота на 1,000 сом KGS. Благодаря упорному труду Гулбары, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 20 овец. Ежемесячный доход составляет 5,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гулбара обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS) на покупку коровы с теленком. Доходы от кредита Гулбара планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на проведение свадебного мероприятия 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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,880,625
    Funds lent in using Kiva
  • 49.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,625 helped Gulbara to buy a cow and calf.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Sep 18, 2013
Currency Exchange Loss:
Sep 17, 2014