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Gulmira is 36 years old and married. She and her husband are raising two children. She has a secondary education and is involved in agriculture, an activity which constitutes her family's main source of income. She essentially grows vegetables, which she started doing 16 years ago with an initial capital of 5,000 som. Thanks to Gulmira's hard work, her farm now consists of 0.24 hectares of land and she cultivates early cucumbers, onions and potatoes on a yearly basis, for the family's consumption as well as for resale.

Gulmira takes care of her farm practically by herself. Her husband is a private builder who works on construction sites during the building season and helps his wife with the farm-work during the off-season. Gulmira makes a monthly income of 10,000 som (KGS). In order to further develop her farming business, she has turned to the microfinance bank "Bai Tushum & Partners" and requested a loan to buy cucumber and tomato seeds, as well as fertilizers and pesticides. With the earnings from her loan Gulmira plans to improve her family's financial situation and, ultimately, their living conditions. In the future, she and her husband would like to build a greenhouse on their property.
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Гулмире 36 лет, замужем, вместе с супругом воспитывают 2 детей. У Гулмиры -среднее образование. В качестве основного дохода для своей семьи Гулмира занимается полеводством, а точнее выращиванием овощей, стартовав 16 лет назад, с 5,000 сом KGS. Благодаря упорному труду Гулмиры, на сегодняшний день у нее имеется: 0,24 ГА земельной доли, на которой ежегодно выращивает ранние огурцы, репчатый лук и помидоры для внутрихозяйственного потребления и реализации. Полеводством занимается практически одна, так как супруг -частный строитель, подрабатывает на стройках в сезонное время, а внесезонное время помогает Гулмире на поле. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гулмира обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом - на покупку семян огурцов, помидоров, а также удобрений и ядохимикатов. Доходы от кредита Гулмира планирует вложить улучшение финансового состояния семьи, что способствует улучшению жилищных условий. В будущем Гульмира с супругом намерены построить теплицу во дворе 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
  • 69
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,305,375
    Funds lent in using Kiva
  • 49.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Gulmira to buy cucumber and tomato seeds, as well as fertilizers and pesticides.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 17, 2014
Jan 21, 2014
Currency Exchange Loss:
Feb 17, 2015