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Urkuya is 32 years old, married, and with her husband is bringing up three wonderful children. The children are all students; the eldest is 13 years old, and the youngest is 9. Urkuya has a specialized high school education, and graduated from a technical school with the specialty of cook. Her husband is engaged in offering passenger services to the local population.

The family is young and friendly. The spouses have been teaching the children from a young age all the good qualities such as industriousness. After school, the children help their parents. As a main source of income for her family, Urkuya is engaged in raising livestock, having started 12 years ago with the purchase of livestock for 5,000 som KGS. Thanks to her hard work, Urkuya currently has on her homestead: two dairy cows, one calf, and 30 sheep, and also has a 2.1-hectare share of land, on which annually she grows peppers, beans and clover. Monthly income consists of 12,000 som (KGS).

With the aim of further developing her homestead, Urkuya turned to the microfinance bank Bai-Tusham and Partners for a loan of 80,000 som (KGS) to purchase cows to increase her cattle head count.

Urkuya plans to invest income from the loan in further increasing the quantity of domestic livestock, and plans to save money for the further education of her children. Urkuya considers herself an exemplary mother and a happy mother.
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Уркуе 32 года, замужем, вместе с супругом воспитывают 3 замечательных детей, дети все школьники, старшему 13 лет, младшему 9 лет. У Уркуи - средне-специальное образование, окончила техникум, по специальности "повар". Супруг занимается предоставлением пассажирских услуг местному населению. Семья молодая и дружная. Супруги учат детей с раннего возраста всем хорошим качествам и таким как трудолюбие. После школы дети помогают своим родителям. Уркуя в качестве основного дохода для своей семьи занимается животноводством, стартовав 12 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Уркуи, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 1 теленок, и 30 овец, а также имеет 2,1 ГА земельной доли, на которой ежегодно выращивает перец, фасоль и клевер. Ежемесячный доход составляет 12,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Уркуя обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS) на покупку коров для увеличения поголовья скота. Доходы от кредита Уркуя планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на дальнейшее обучение детей. Уркуя считает себя примерной супругой и счастливой мамой.

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
  • 73
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,938,275
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,650 helped Urkuya to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 20, 2013
Nov 26, 2013
Currency Exchange Loss:
Dec 17, 2014