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Ardakbubu is 52 years old, widowed, and is raising four children on her own. Last year in August, Ardakbubu's husband died from a serious illness. Struggling to survive the death of her beloved husband, Ardakbubu braced herself, as it was necessary to start a new life without a spouse but with children who need to land on their feet. The children helped Ardakbubu to recover.

Ardakbubu has a specialized high school education. She graduated from a technical school, with a specialty as a cook. She worked as a cook for just five years.

As a main source of income for her family, Ardakbubu raises livestock, having started 20 years ago with the purchase of cattle for 10,000 som KGS. Thanks to her hard work, Ardakbubu and her children currently have on their homestead: one dairy cow, 15 sheep, and similarly Ardakbubu with her children works 2.40 hectares of land, where she grows mainly beans and potatoes. The resulting crop is sold to wholesale suppliers. Monthly income consists of 4,000 som (KGS).

With the aim of further developing her homestead, Ardakbubu turned to the microfinance bank Bai-Tushum and Partners for a loan - to buy cows for expanding her count of livestock.

Ardakbubu plans to invest income from the loan in further propagation of domestic animals, and plans to save money for her son's wedding.
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Ардакбубу 52 года, вдова, однам воспитывает 4 детей. В прошлом году в агусте месяце у Ардакбубу умер супруг от тяжелой болезни. Тяжело пережив смерть любимого супруга Ардакбубу взяла себя в руки, так как нужно было начинать другую жизнь без супруга, но с детьми, которых нужно ставить на ноги. Дети помогли восстановиться Ардакбубу. У Ардакбубу - средне-специальное образование, она закончила техникум, по специальности-повар. Поваром она проработала всего 5 лет. В качестве основного дохода для своей семьи Ардакбубу занимается животноводством, стартовав 20 лет назад, с покупки скота на 10,000 сом KGS. Благодаря упорному труду Ардакбубу и ее детей, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова, 15 овец, а также Ардакбубу вместе с детьми обрабатывает 2,40 ГА земли, где выращивает в основном фасоль и картофель. Полученный урожай реализуют оптовым поставщикам. Ежемесячный доход составляет 4,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Ардакбубу обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом -на покупку коров для увеличения поголовья скота. Доходы от кредита Ардакбубу 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
  • 143
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,420,675
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,025 helped Ardakbubu to buy cows.
96% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 20, 2013
Dec 3, 2013
Currency Exchange Loss:
Dec 17, 2014