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Gulshaiyr is 42 years old, married, and, together with her spouse, is raising 5 children. Her eldest son is working in Russia, her daughter is married, and the rest of her children are school-aged. Gulshaiyr has a secondary education, and works in a bakery, from which she receives a monthly income. Gulshaiyr's work in farming, which began 24 years ago with 3000 KGS, serves as a source of additional income for her family. Thanks to Gulshaiyr's hard work, she now has 0.67 hectares of land, on which she plants cotton yearly. Her monthly income is 13,000 KGS. With the goal of increasing her family's economy, Gulshaiyr turned to the microfinance bank "Bai-Tushum and Partners" for a loan to purchase seeds, fertilizers, and pesticides. With the increased income from the loan, Gulshaiyr plans to invest in the building of stables for cattle, and then purchase livestock for breeding.
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Гулшайыр 42 года, замужем, вместе с супругом воспитывают 5 детей. Старший сын находится на заработках в России, дочь замужем, остальные дети школьного возраста. У Гулшайыр - среднее образование, она работает в частной хлебопекарне и получает ежемесячно зарплату. В качестве дополнительного дохода для своей семьи Гулшайыр занимается полеводством, стартовав 24 года назад, с 3,000 сом KGS. Благодаря упорному труду Гулшайыр, на сегодняшний день имеется: 0,67 ГА земельной доли, на которой ежегодно выращивает хлопок для реализации. Ежемесячный доход составляет 13,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гулшайыр обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом - на покупку семян, удобрений и ядохимикатов. Доходы от кредита Гулшайыр планирует вложить в строительство сарая для содержания скота и затем закупить скот и заниматься дополнительно животноводством.

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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,308,175
    Funds lent in using Kiva
  • 49.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Gulshaiyr to buy seeds, fertilizers and pesticides.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 30, 2013
Jan 12, 2014
Currency Exchange Loss:
Feb 24, 2015