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Guljan is 52 years old, married, and together with her husband, is raising five children. Three of her sons are married and live separately and self-sufficiently. The other two children live with their parents. Guljan has a secondary specialized education. She graduated from a vocational school with a culinary degree. After graduating from vocational school, Guljan worked as a chef in a restaurant. Then she married her husband Anarbek and left her job, as she began her domestic life and having children. Today, Guljan has a large family; She can be considered an exemplary mother and a good wife. Currently, her children are all grown-up and she has starting working as a librarian in a local school. She has a small salary which is not enough to provide for her family.

As an additional source of income for her family, Guljan practices livestock breeding. She started this business 30 years ago, with an initial purchase of cattle in the amount of 5,000 som (KGS). Thanks to Guljan's hard work, she currently has 1 milk cow, 1 calf and 10 sheep on her farm, as well as a 1.5 hectare plot of land on which she grows beans and clover. Her monthly income is 12,000 som (KGS). For the purpose of further developing her business, Guljan turned to Microfinance Bank "Bai Tushum and Partners." She is requesting a loan to buy cows to increase the size of her herd. Guljan plans to invest the earnings from the loan in the further acquisition of livestock. She also intends to save money for her son's wedding.
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Гулжан 52 года, замужем, вместе с супругом воспитывают 5 детей. Трое сыновей женаты и проживают отдельно и самостоятельно, двое из детей проживают с родителями. У Гулжан - средне-специальное образование, она окончила техникум, по специальности -повар. После окончания техникума Гулжан проработала поваром в ресторане. Затем вышла замуж за Анарбека и оставила свою работу, так как начался домашний быт, дети. На сегодня у Гулжан большая семья, ее можно считать примерной матерью и хорошей женой. В данное время дети выросли и Гулжан начала работать библиотекарем в местной школе, имеет небольшой доход, которого не хватает на обеспечение семьи и в качестве дополнительного дохода для своей семьи Гулжан занимается животноводством, стартовав 30 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Гулжан, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова, 1 теленок, 10 овец, а также имеет 1,50 ГА поливной земли, на указанной земле семья Гулжан выращивает фасоль и клевер. Ежемесячный доход составляет 12,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гулжан обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом - на покупку коров для увеличения поголовья скота. Доходы от кредита Гулжан планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на свадьбу сына.

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
  • 132
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,098,050
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,475 helped Guljan to buy cows.
97% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Dec 3, 2013
Currency Exchange Loss:
Dec 17, 2014