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Zarina
Zarina is 36 years old, married, and with her husband is raising five young children. The oldest is 12 years old, and the youngest is 3. Zarina has a higher education. She works as a teacher of Russian language and literature in a local school. Zarina is not only a professional colleague in her job, but she is also an extraordinary mother and a good hostess in her home. By character, she is a resilient, cheerful, and positive woman.

As an additional source of income for her family, Zarina raises livestock, having begun three years ago with a livestock purchase of 10,000 som KGS. Thanks to her hard work, Zarina currently has on her homestead: two dairy cows, two steers, and 20 sheep. Monthly income consists of 8,000 som (KGS).

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

Zarina plans to invest income from the loan in further propagating her livestock count, and plans to save money for her children's further education.
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Зарине 36 лет, замужем, вместе с супругом воспитывают 5 несовершеннолетних детей. Самому старшему 12 лет, самому младшему 3 года. У Зарины - высшее образование, она работает преподавателем русского языка и литературы в местной школе. Зарина не только профессиональный сотрудник своего дела, но она также замечательная мама, хорошая хозяйка в доме. По характеру жизнерадостная, неунывающая, позитивная женщина. В качестве дополнительного дохода для своей семьи Зарина занимается животноводством, стартовав 3 года назад, с покупки скота на 10,000 сом KGS. Благодаря упорному труду Зарины, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 2 теленка, 20 овец. Ежемесячный доход составляет 8,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Зарина обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом-на покупку коров для увеличения поголовья скота. Доходы от кредита Зарина 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
  • 162
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,554,400
    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 Zarina to buy cows.
94% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Dec 11, 2013
Listed
Dec 20, 2013
Currency Exchange Loss:
Possible
Ended:
Jan 18, 2015