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Elmira is 40 years old, married, and together with her husband is raising five children. Elmira has a high school education. As a main source of income for her family, Elmira is involved in raising livestock, having started 15 years ago with the purchase of livestock at 3,000 som KGS. Thanks to her hard work, Elmira today has on her homestead: two dairy cows and five sheep. Monthly income reaches 4,000 som (KGS).

With the aim of further developing her homestead, Elmira turned to the microfinance bank Bai-Tushum and Partners for a loan of 20,000 som (KGS) to buy sheep to increase the count of livestock.

Elmira plans to invest income from the loan to further increase the count of domestic livestock and plans to save money for home repairs.
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Элмире 40 лет, замужем, вместе с супругом воспитывают 5 детей. У Элмиры - среднее образование, в качестве основного дохода для своей семьи Элмира занимается животноводством, стартовав 15 лет назад, с покупки скота на 3,000 сом KGS. Благодаря упорному труду Элмиры, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 5 овец. Ежемесячный доход составляет 4,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Элмира обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 20,000 сом (KGS) на покупку овец для увеличения поголовья скота. Доходы от кредита Элмира 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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,773,100
    Funds lent in using Kiva
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $425 helped Elmira to buy sheep.
93% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 20, 2013
Currency Exchange Loss:
Mar 19, 2015