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Gulkayir is a 39 years old widow raising three children by herself. Gulkayir has a secondary education and has very good reviews from her neighbors. They refer to her as a kind and hard-working woman. Gulkayir is the main source of income for the family. Since 2006, she has worked as a vendor selling food and sweets, having started this business with 20,000 KGS. She sells food items and sweets out of a container. Thanks to her hard work, Gulkayir has been able to develop and expand her product. Her business brings her about 20,000 KGS per month, which helps pay for the cost of food and other household needs for the family. The income she has received from the business has allowed Gulkayir to expand her trade. In order to further develop her business, Gulkayir has appealed to the "Bai Tushum and Partners" Microfinance Bank for a loan in the amount of 130,000 KGS for the purchase of wholesale food and sweets for resale. Gulkayir will use the income from the loan to help increase turnover and the increased profit will help her raise and educate her children.
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Гулкайыр 39 лет,вдова, одна воспитывает 3 детей. У Гулкайыр среднее образование, имеет очень хорошие отзывы от своих соседей. Они отзываются о ней как о доброй и трудолюбивой женщине. Гулкайыр в качестве основного дохода для своей семьи, с 2006 года занимается торговлей продуктов питания и сладостями, начав этот бизнес с 20,000 сом KGS. Торгует с контейнера, реализует продукты питания и сладости. Благодаря упорному труду Гулкайыр смогла развить и расширить свой товар, ее деятельность приносит около 20,000 сом KGS в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи. Доходы от бизнеса позволили Гулкайыр расширить свой товарооборот. В целях дальнейшего развития своего бизнеса, Гулкайыр обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на покупку оптовых продуктов питания и сладостей для дальнейшей перепродажи. Доходы от кредита помогут Гулкайыр увеличить товарооборот, а также полученная прибыль поможет растить и обучить детей в хороших условиях.

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
  • 71
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,308,175
    Funds lent in using Kiva
  • 48.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,675 helped Gulkayir to buy food for retail sale.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 21, 2013
Nov 1, 2013
Currency Exchange Loss:
Mar 19, 2015