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Jamal is 51 years old, she is a widow. She is raising three children and also runs her own business after her husband's death. Jamal has secondary education and does animal husbandry as a main source of income for her family which she started 22 years ago with the purchase of livestock for 3,000 som (KGS). Because of her hard work Jamal now has two milk cows and four sheep. Her monthly income is 6,000 som. With the purpose to further grow her business Jamal has come to the microfinance bank Bai Tushum and Partners for a loan in the amount of 20,000 KGS to buy a calf to increase the headcount of cattle. Jamal plans to invest the income from the loan into further increase of the headcount of livestock and also save money for her children's education.
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Жамал 51 год, вдова, после смерти мужа сама воспитывает троих детей, а также ведет свое хозяйство. У Жамал - среднее образование, в качестве основного дохода для своей семьи Жамал занимается животноводством, стартовав 22 года назад, с покупки скота на 3,000 сом KGS. Благодаря упорному труду Жамал, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 4 овцы. Ежемесячный доход составляет 6,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Жамал обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 20,000 сом (KGS) на покупку теленка для увеличения поголовья скота. Доходы от кредита Жамал планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на дальнейшее обучение детей.

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
  • $10,761,025
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $425 helped Jamal to buy a calf.
93% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 27, 2013
Oct 6, 2013
Currency Exchange Loss:
Apr 17, 2015