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Kulyumkan is 57 years old. She is a widow. After her husband’s death she has been raising her children and managing her farm on her own. Kulyumkan has completed a technical college. As a main source of income for her family, Kulyumkan raises livestock, having launched this business 37 years ago by buying livestock for 2,000 KGS. Thanks to Kulyumkan’s hard work, her farm today includes one dairy cow, one mare, and 10 sheep. Her monthly income is 15,000 KGS. In order to develop her business further, Kulyumkan has turned to the Bai Tushum & Partners microfinance institution for a loan in the amount of 135,000 KGS in order to expand her livestock by buying cattle. Kulyumkan plans to use the resulting revenues for a further increase of her livestock. She also plans to save up for house renovations.
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Кулюмкан 57 лет, вдова, после смерти мужа сама воспитывает троих детей, а также ведет свое хозяйство. У Кулюмкан - средне-специальное образование, в качестве основного дохода для своей семьи Кулюмкан занимается животноводством, стартовав 37 лет назад, с покупки скота на 2,000 сом KGS. Благодаря упорному труду Кулюмкан, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова, 1 кобыла, 10 овец. Ежемесячный доход составляет 15,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Кулюмкан обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 135,000 сом (KGS) на покупку коров для увеличения поголовья скота. Доходы от кредита Кулюмкан 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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,959,675
    Funds lent in using Kiva
  • 49.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,775 helped Kulyumkan to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 18, 2013
Sep 24, 2013
Currency Exchange Loss:
Oct 17, 2014