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Gulaym is 40 years old, married, and has four children with her spouse. She has a high school education, and earns the primary source of income for her family by farming and raising livestock, which she began 20 years ago with the purchase of 5,000 som (KGS) worth of stock. Thanks to her tireless work Gulaym currently owns a milk cow, four sheep, and a plot of land of around 1.20 hectares where she grows vegetables such as tomatoes, cucumbers, bell peppers, and cabbage each year for family use and sale. Her monthly income is 11,000 som (KGS). Gulaym came to Bai Tushum with the goal of further developing her business. She is asking for a loan to buy tomato, cabbage, cucumber, and bell pepper seed. She plans to invest earnings from used of the loan into further expanding her farming activities, and she also plans to save for construction of an unfinished house.
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Гуляйм 40 лет, замужем, вместе с супругом воспитывают 4 детей. У Гуляйм - среднее образование, в качестве основного дохода для своей семьи Гуляйм занимается животноводством и полеводством, стартовав 20 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Гуляйм, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова, 4 овцы, а также имеет земельный надел мерою 1,20 ГА на котором ежегодно выращивает овощи, такие как: помидоры, огурцы, болгарский перец, капусту для внутрихозяйственного использования и реализации. Ежемесячный доход составляет 11,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гуляйм обратилась в Банк «Бай –Тушум» за кредитом - на покупку cемян помидоров, капусты, огурцов и болгарского перца. Доходы от кредита Гуляйм планирует вложить в дальнейшее дальнейшее расширение полеводства, 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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 50.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Gulaym to buy cucumber, tomato, bell pepper, and cabbage seeds.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 27, 2014
Feb 8, 2014
Currency Exchange Loss:
Dec 17, 2014