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Ibadat is a 59-year-old widow. She has looked after her 7 children alone since her husband's death in November 2013. Ibadat has struggled and survived great pain and the loss of her spouse. Her children are all married and live independently. As time has passed, Ibadat has gotten herself back on her feet, and continues to live and believe things will get better. She has a secondary school education.

As the primary means of supporting her family, Ibadat raises crops. She began farming 30 years ago, with 2,000 som (KGS). Thanks to her hard work, today Ibadat has a 0.54 ha share of farmland, on which she grows potatoes for her own subsistence as well as for income. Her monthly income consists of 15,000 som (KGS).

Ibadat has applied for a loan at "Bai Tushum" Bank to finance the purchase of mineral soil amendments and potato seeds for sowing. Credit will enable the further growth of her farm. With the income from the investment, Ibadat plans to save to further develop her fields. She also plans to save the means to build new space for livestock, as she is determined to expand into animal husbandry in the future.
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Ибадат 59 лет, вдова, одна воспитывает 7 детей после смерти мужа. Супруг умер в ноябре 2013 года, Ибадат очень тяжело переживает боль и утрату своего супруга. Дети все женаты, проживают самостоятельно. Но время идет и Ибадат взяла себя в руки и продолжает жить и верить в хорошее. У Ибадат - среднее образование. В качестве основного дохода для своей семьи Ибадат занимается полеводством, стартовав 30 лет назад, с 2,000 сом KGS. Благодаря упорному труду Ибадат, на сегодняшний день имеется: 0,54 ГА земельной доли, на которой ежегодно выращивает картофель для внутрихозяйственного потребления и реализации. Ежемесячный доход составляет 15,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Ибадат обратилась в Банк "Бай-Тушум" за кредитом -на покупку семян картофеля для посевных работ, а также минеральных удобрений для обработки земли. Доходы от кредита Ибадат планирует вложить в развитие полеводства, и планирует накопить средства на строительство нового помещения для скота, в будущем Ибадат дополнительно намерена заняться 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
  • 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 $800 helped Ibadat to buy potato seeds and fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 30, 2014
Feb 9, 2014
Currency Exchange Loss:
Jan 18, 2015