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Kuljamal is 30 years old and divorced. She is bringing up two children on her own and also manages her business herself. Kuljamal has finished technical college. As the main source of income for her family, Kuljamal raises livestock, having launched this business 12 years ago by buying livestock for the amount of 15,000 KGS. Thanks to Kuljamal’s hard work, her farm now has three dairy cows, 20 sheep and one horse. Her monthly income is 5,500 KGS. In order to develop her farm further, Kuljamal has turned to the “Bai Tushum & Partners” for a loan in the amount of 100,000 KGS to increase livestock by buying cattle. Kuljamal plans to use the revenues from her loan for increasing her livestock further. She also plans to save for a partial renovation of her house.
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Кульжамал 30 лет, разведена, сама воспитывает двоих детей, а также ведет свое хозяйство. У Кульжамал - средне-специальное образование, в качестве основного дохода для своей семьи Кульжамал занимается животноводством, стартовав 12 лет назад, с покупки скота на 15,000 сом KGS. Благодаря упорному труду Кульжамал, в ее хозяйстве на сегодняшний день имеется: 3 дойные коровы, 20 овец и 1 кобыла. Ежемесячный доход составляет 5,500 сом (KGS). В целях дальнейшего развития своего хозяйства, Кульжамал обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку коров для увеличения поголовья скота. Доходы от кредита Кульжамал планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на частичный 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

  • $2,100
    Average annual income
  • 243
    View loans »
    Kyrgyzstan Loans Fundraising
  • $9,814,975
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,050 helped Kuljamal to buy cows.
72% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 27, 2013
Oct 6, 2013
Currency Exchange Loss: