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Nataliya is 43. She and her husband are raising one son. As the main source of income for her family, Nataliya works selling bread at the local market, a business she started 20 years ago with 5,000 KGS. Nataliya rents her stall, and her selection of breads includes types such as Borodinskiy, Moskovskiy, Podovoy and Krestyanskiy. Thanks to her hard work, Nataliya has been able to grow her small business and attract a regular clientele. Her monthly income is 20,000 KGS.

With the goal of further developing her business, Nataliya has turned to microfinance bank Bai Tushum and Partners for a loan. She plans to renovate her market stall, which will lead to better working conditions as well as increasing the space she has to display goods. She plans to invest profits from the loan into further development of her business, and to save toward her son's education.
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Наталье 43 года, вместе с супругом воспитывает 1 сына. Наталья в качестве основного дохода для своей семьи занимается торговлей хлебо-булочных изделий на местном рынке, стартовав 20 лет назад с 5,000 сом KGS. Наталья арендует торговое место. В ассортименте -хлеб разного вида "Бородинский", "Московский", "Подовой", "Крестьянский". Благодаря упорному труду, Наталья смогла развить свой небольшой бизнес и привлечь постоянных клиентов. Ежемесячный доход составляет 20,000 сом (KGS). В целях дальнейшего развития своего бизнеса, Наталья обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом.Наталья планирует сделать ремонт торгового места, что приведет к улучшению условий труда, а также увеличит объем продаж. Доходы от кредита Наталья планирует вложить в дальнейшее развитие своего бизнеса, и планирует накопить средства на обучение 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
  • 71
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 50.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Nataliya to renovate her stall at the market.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 24, 2014
Feb 1, 2014
Currency Exchange Loss:
Feb 17, 2015