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Oijamal is 43 years old, married, and together with her husband is raising three children. Oijamal has a high school education. As a main source of income for her family, Oijamal is engaged in raising livestock, having started 20 years ago with the purchase of cattle for 7,000 som KGS.

Thanks to her hard work, Oijamal today has on her homestead: 1 dairy cow with calf and also has a 1.32-hectare land share, on which she grows each year cotton and peanuts for sale. Monthly income is 10,000 som (KGS).

With the aim of further developing her homestead, Oijamal turned to the microfinance bank Bai-Tushum and Partners for a loan of 50,000 som (KGS) to purchase livestock feed (hay, beet pulp, barley, bran) for the autumn-winter period.

Oijamal plans to invest income from the loan to further increase the count of domestic animals and plans to save money to put on a wedding celebration for her eldest daughter.
View original language description ↓
Ойжамал 43 года, замужем, вместе с супругом воспитывают 3 детей. У Ойжамал - среднее образование, в качестве основного дохода для своей семьи Ойжамал занимается животноводством, стартовав 20 лет назад, с покупки скота на 7,000 сом KGS. Благодаря упорному труду Ойжамал, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова с теленком, а также имеет 1,32 ГА земельной доли, на которой ежегодно выращивает хлопок и арахис для продажи. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Ойжамал обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку кормов (сено, жом, ячмень, отруби) для скота на зимне-осенний период. Доходы от кредита Ойжамал планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на проведение свадебного торжества старшей дочери.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 49.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Oijamal to buy livestock feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 9, 2013
Sep 18, 2013
Currency Exchange Loss:
Oct 17, 2014