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Zamira is 51 years old, married, and with her spouse is raising four children. Her eldest son is working abroad in Russia, the second daughter is married, and the others are still in school. Her spouse and children help Zamira around the homestead. Zamira has a secondary education. As a main source of income for her family, Zamira raises livestock, more specifically fattening and breeding domestic animals, having begun 30 years ago with a livestock purchase of 5,000 som KGS. Thanks to her hard work, Zamira currently has on her homestead: one dairy cow and 25 sheep, and also has a plot of land measuring 0.8 hectares, on which she grows cotton, squash, tomatoes and watermelons. Monthly income amounts to 16,000 som (KGS).

With the aim of further developing her homestead, Zamira turned to the microfinance bank Bai-Tushum and Partners for a loan to buy cows for fattening and subsequent sale at the market at a premium.

Zamira plans to invest income from the loan in further propagation of the quantity of domestic animals, and intends to save money to put on a wedding celebration for her son.
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Замире 51 год, замужем, вместе с супругом воспитывают 4 детей. Старший сын находится в России на заработках, вторая дочь замужем, остальные -школьники. Супруг и дети помогают Замире по хозяйству. У Замиры - среднее образование, в качестве основного дохода для своей семьи Замира занимается животноводством, а точнее откормом и разведением домашнего скота, стартовав 30 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Замиры, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова, 25 овец, а также имеет земельный надел размером 0,80 ГА, на котором выращивает хлопок, тыкву, помидоры и арбузы. Ежемесячный доход составляет 16,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Замира 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 Замира планирует вложить в дальнейшее приумножение количества домашней скотины, и намерена собрать средства на проведение свадебного торжества для 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

  • $2,500
    Average annual income
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,761,325
    Funds lent in using Kiva
  • 49.3
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,750 helped Zamira to buy cows for fattening and resale.
95% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 11, 2013
Dec 20, 2013
Currency Exchange Loss:
Jan 18, 2015