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Gulshan is 33 years old and is raising four children with her husband. Two of her kids are school age and two are still babies. Her youngest son isn't even one year old yet. Gulshan has a high school degree, she is a home maker and raises her children, as well as takes care of her small farm. The farm is the main source of income for the family and was started 13 years ago with the 10,000 som (KGS). Due to Gulshan's diligent work the family now owns two milk cows, two calves, 10 chickens and has 3 acres of land where they grow potatoes and beans. Gulshan's husband is a taxi driver and also works as a mechanic at a auto repair shop. Since the kids are all still young, Gulshan's husband works hard to save money for their future and is a very active father. The total monthly income of the family is 10,000 som (KGS). In order to expand the livestock herd, Gulshan has turned to micro-finance bank "Bai Tushum and Partners" for a loan to purchase another cow. She plans to use the profits from the loan to continue expanding the family's herd and save money for her children's college education.
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Гулшан 33 года, замужем, вместе с супругом воспитывают 4 детей, 2 детей школьники, 2 - дошкольники. Самому младшему сыну нет еще и года. У Гулшан - среднее образование, она домохозяйка, воспитывает детей и ведет свое небольшое хозяйство. В качестве основного дохода для своей семьи Гулшан занимается животноводством и полеводством, стартовав 13 лет назад, с покупки скота на 10,000 сом KGS. Благодаря упорному труду Гулшан, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 2 теленка, 10 кур, а также имеет земельный надел мерою 1,20 ГА на котором выращивает картофель и фасоль. Супруг Гульшан занимается перевозкой пассажиров, а также подрабатывает в механиком в станции технического обслуживания. Дети маленьки, нужно ставить их на ноги, поэтому муж активно работает и помогает своей семье. Ежемесячный совокупный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гулшан обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом-на покупку коровы для увеличения поголовья скота. Доходы от кредита Гулшан 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
  • 63
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Gulshan to buy a cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 14, 2013
Nov 26, 2013
Currency Exchange Loss:
Jul 17, 2015