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Damira
Damira is 34 years old, married, and together with her husband, is raising four children. All of her children are little, with the oldest being 11 years old and the youngest, 2 years old. Damira has a higher education. She works as a teacher at a local school. She has a small salary. Her husband works odd jobs as he cannot find full-time employment.

As an additional source of income for her family, Damira practices livestock breeding. She started this business 14 years ago, with an initial purchase of cattle in the amount of 5,000 som (KGS). Thanks to Damira's hard work, she currently has 7 milk cows, 1 horse and 6 sheep on her farm. Damira is very hardworking. Everyday she gets up at the crack of dawn and gets her children ready for school. Then she cuts hay and waters her livestock, goes to work, returns home for lunch, feeds her livestock again, meets her children at school, brings them home, feeds them dinner and finishes her work in the barn.

She is very motivated and believes that by working hard and consistently on her animal breeding business, she will be able to improve her family's wellbeing and provide a better future for her children. Her monthly income is 10,000 som (KGS). For the purpose of further developing her business, Damira turned to Microfinance Bank "Bai Tushum and Partners." She is requesting a loan to buy cows to increase the size of her herd. Damira plans to invest the earnings from the loan in the further acquisition of livestock. She also intends to save money for the future education of her children.
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Дамире 34 года, замужем, вместе с супругом воспитывают 4 детей. Дети все маленькие, самому старшему ребенку 11 лет, самому младшему 2 года. У Дамиры - высшее образование, работает преподавателем в местной школе, имеет небольшую зарплату. Супруг работает разнорабочим, постоянной работы не имеет. Дамира в качестве дополнительного дохода для своей семьи занимается животноводством, стартовав 14 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Дамиры, в ее хозяйстве на сегодняшний день имеется: 7 дойных коров, 1 лошадь, 6 овец. Дамира очень трудолюбивая, встает на заре, готовит детей к школе, затем режет сено и поит домашний скот, идет на работу, возвращается в обед, опять кормит скот, встречает детей со школы, убирается по дому, готовит кушать, убирается в хлеву и так каждый день. Она очень целеустремленная и верит, что занимаясь упорно и плотно животноводством, она сможет улучшить благосостояние своей семьи и обеспечить хорошее будущее для своих детей. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Дамира обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом - на покупку коров для увеличения поголовья скота. Доходы от кредита Дамира 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.

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About Kyrgyzstan

  • $2,500
    Average annual income
  • 166
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,494,100
    Funds lent in using Kiva
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,050 helped Damira to buy cows.
91% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Nov 27, 2013
Listed
Dec 4, 2013
Currency Exchange Loss:
Possible
Ended:
Jun 17, 2015