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Gulbara is 64 years old. Together with her husband, she has five children. Their four daughters had been married off and live separately with their respective families. Their son is not yet married and lives with them. In 2000, using an initial investment of 25,000 KGS, the couple started their business of selling groceries. Owing to Gulbara's ability to successfully expand her business and obtain regular clients, she is currently making 20,000 KGS per month.

Thanks to their hard work, Gulbara and her husband were able to successfully marry off their daughters while advancing their business forward. With the goal of further expanding her business, Gulbara applied for a loan of 135,000 KGS from the microfinance bank of Bai Tushum and Partners. She is planning to use this loan to purchase groceries that she can sell in her shop. Gulbara wants to use the profits from her business on her son's wedding celebration.
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Гулбаре 64 года. Совместно с супругом воспитали пятерых детей. 4 девочки вышли замуж, проживают отдельно со своими семьями, сын не женат, проживает с родителями. В 2000 году, супруги начали бизнес в торговле продуктами питания, используя в качестве стартового капитала сумму в 25,000 сом (KGS). Сумев развить свой бизнес и обретя постоянных клиентов, Гулбара имеет среднемесячный доход в сумме 20,000 сом (KGS). Благодаря упорному труду в бизнесе, супруги смогли выдать достойно своих дочерей замуж, развить бизнес. В целях дальнейшего увеличения и расширения своего бизнеса, Гулбара обратилась в Микрофинансовый банк «Бай-Тушум и Партнеры» за кредитом в сумме 135,000 сом (KGS) на покупку продуктов питания оптом, чтобы в дальнейшем реализовывать в розницу. Доходы от кредита Гулбара планирует вложить в свадебное мероприятие для сына.

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
  • 100
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,737,800
    Funds lent in using Kiva
  • 48.7
    Kyrgyzstan Soms (KGS) = $1 USD
A loan of $2,775 helped Gulbara to purchase groceries for resale in her shop.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 1, 2013
Oct 5, 2013
Currency Exchange Loss:
Nov 4, 2013