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Kulushay is 58 years old and she is retired. She is married and has raised three children with her husband. All of her children live on their own, and one grandson lives with her. Kulushay has a high school education and her outlook on life is optimistic. She knows exactly what she wants and she goes after it with all her strength. She knows how to use and budget money to reach her goals.

As the main source of income for her family, Kulushay works raising livestock. She started this business 23 years ago with the purchase of livestock for 10,000 som KGS. Thanks to her hard work, she now has two dairy cows, three calves and 14 sheep. She has everything she needs to keep the animals, including a barn and a pasture for roaming. Her dairy cows spend all year on the farm and Kulushay looks after them herself, and the sheep are tended by a shepherd from March to October while they roam in the pasture. She has enough hay and feed to provide for the animals. Her monthly income is 7,000 som (KGS).

With the goal of developing her business further, Kulushay has turned to the microfinance bank "Bai-Tushum and Partners" for a loan to buy calves so she can increase her head of livestock. She plans to use the money from the loan to further increase her head of livestock, as well as to save up money to finish some building work in progress on her home.
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Кулушай 58 лет, пенсионерка, замужем, вместе с супругом воспитали 3 детей. Все дети проживают отдельно и самостоятельно. С Кулушай проживает внук. У Кулушай - среднее образование, она оптимистично идет по жизни, знает конкретно чего хочет и добивается всего своими силами. Кулушай знает как правильно использовать и планировать денежные средства для достижения поставленных целей. Кулушай в качестве основного дохода для своей семьи занимается животноводством, стартовав 23 года назад, с покупки скота на 10,000 сом KGS. Благодаря упорному труду Кулушай, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 3 теленка и 14 овец. Для содержания скота имеются все условия: сарай для содержания скота, отгонные пастбища. Дойных коров содержит круглогодично дома, присматривают сами, а овец с марта по октябрь месяцы ежегодно выгоняет на пастбища чабану. Сено и корма для скота заготовлены в достаточном количестве. Ежемесячный доход составляет 7,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Кулушай обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом -на покупку нетели для увеличения поголовья скота. Доходы от кредита Кулушай планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на строительство незавершенного дома.

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
  • 70
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,308,175
    Funds lent in using Kiva
  • 49.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Kulushay to buy a heifer.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 13, 2013
Dec 23, 2013
Currency Exchange Loss:
Nov 17, 2014