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Gulayim is 58 years old, married, and, with her husband, raising one daughter. Gulayim has a secondary education. Tor provide the primary source of income for her family, Gulayim farms and keeps livestock. She started 27 years ago when she bought cattle with 10,000 KGS. Because of Gulayim's hard work, her farm now has five dairy cows, fifteen sheep, ten goats, and also a 0.32 hectare plot of land where she grows potatoes, corn, and sunflowers. Also there is a small orchard with apple trees, which produces a good harvest. Right now, she has three tons of apples in her cellar which she will sell before the New Year, since then there will be strong demand and high prices for fruit. Her monthly income is 10,000 KGS. In order to further expand her farm, Gulayim approached the microfinance bank Bai-Tushum and Partners for a loan to buy cattle for fattening and resale. Gulayim plans to invest profits she nets from the loan in to further expanding her livestock.
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Гулайим 58 лет, замужем, вместе с супругом воспитывают 1 дочь. У Гулайим - среднее образование, в качестве основного дохода для своей семьи Гулайим занимается животноводством и полеводством, стартовав 27 лет назад, с покупки скота на 10,000 сом KGS. Благодаря упорному труду Гулайим, в ее хозяйстве на сегодняшний день имеется: 5 дойных коров, 15 овец, 10 коз, а также имеет земельный надел размером 0,32 ГА, на которой выращивает картофель, кукурузу, подсолнух. Также есть небольшой сад с яблонями, который дает хороший урожай. На данный момент у нее в подвале собраны 3 тонны яблок для продажи, продавать будет перед Новым Годом, так как будет хороший спрос и высокие цены на фрукты. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гулайим обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом -на покупку коров для откорма с последующей реализацией на рынке по высокой цене. Доходы от кредита Гулайим планирует вложить в дальнейшее приумножение количества домашней скотины.

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
  • 91
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,742,650
    Funds lent in using Kiva
  • 49.4
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,250 helped Gulayim buy cows to fatten and sell.
93% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 10, 2013
Dec 18, 2013
Currency Exchange Loss:
Jan 18, 2015