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Kulbarchin is 58 years old, married, and raising 3 children with her spouse. Kulbarchin has a high school education, and provides the primary source of income for her family by raising animals. She started 8 years ago with a 20,000 som (KGS) purchase of livestock. Thanks to her tireless work, she now owns a dairy cow. She earns a monthly income of 5,000 som (KGS). In order to further develop her business Kulbarchin came to the microfinance bank Bai-Tushum and Partners for a 110,000 som (KGS) loan to buy cows to increase her herd. She plans to invest the earnings from the loan into further expanding the number of animals she has, and saving for construction of a new house.
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Кульбарчын 58 лет, замужем, вместе с супругом воспитывают 3 детей. У Кульбарчын - среднее образование, в качестве основного дохода для своей семьи Кульбарчын занимается животноводством, стартовав 8 лет назад, с покупки скота на 20,000 сом KGS. Благодаря упорному труду Кульбарчын, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова. Ежемесячный доход составляет 5,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Кульбарчын обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 110,000 сом (KGS) на покупку коров для увеличения поголовья скота. Доходы от кредита Кульбарчын планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на строительство нового 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
  • 163
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,545,650
    Funds lent in using Kiva
  • 48.6
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,275 helped Kulbarchin to buy cows.
93% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 5, 2013
Nov 17, 2013
Currency Exchange Loss:
Jan 18, 2015