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Batma is 47 years old, widowed, and raising 2 children by herself. Her older daughter is 17 years old and is a student in the eleventh grade. Her son is 13 years old and a student in the seventh grade. Batma and her children were left without the main member of their family, without a father and husband. She dreams that her children will study at a prestigious university so that the will have good jobs. Unfortunately, Batma only finished secondary school and for the last 16 years has been in the business of animal breeding. She started this business 16 years ago, with an initial purchase of cattle in the amount of 10,000 som (KGS). Thanks to Batma's hard work, she currently has 2 milk cows and 15 sheep on her farm. Her monthly income is 7,000 som (KGS). For the purpose of further developing her business, Batma turned to Microfinance Bank "Bai Tushum and Partners." She is requesting a loan to buy cows to increase the size of her herd. Batma 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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Батме 47 лет, вдова, одна воспитывает 2 детей. Старшей дочери 17 лет, она ученица 11 класса, сыну - 13 лет, он ученик 7 класса. Батма и ее дети остались без главного члена их семьи, без отца и супруга. Батма до сих пор тяжело переживает утрату, но видя своих детей понимает, что нужно жить дальше и обеспечить достойное будущее для своих детей. У нее в мечтах выучить своих детей в престижных университетах, чтоб дети имели хорошую профессию. К сожалению сама Батма закончила только школу и на протяжении 16 лет занимается животноводством, начав с покупки скота на 10,000 сом KGS. Благодаря упорному труду Батмы, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 15 овец. Ежемесячный доход составляет 7,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Батма обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом - на покупку коров для увеличения поголовья скота. Доходы от кредита Батма 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
  • 69
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,305,375
    Funds lent in using Kiva
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Batma to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 29, 2013
Dec 4, 2013
Currency Exchange Loss:
Dec 17, 2014