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Janatay is 47 years old, married, and has 3 children. Her older daughter is married, her younger daughter is in elementary school and her son works in Russia. In 2000, she started selling fabric, scarves, towels and napkins. She started this business with 3,000 som (KGS). Janatay has been able to develop her business, earning a monthly income of around 20,000 som (KGS). For the purpose of expanding her assortment of merchandise, Janatay turned to Microfinance Bank "Bai Tushum and Partners" for a loan. Janatay plans to invest the earnings from her business to further increase her assortment of merchandise.
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Жанатай 47 лет, замужем, имеет 3 детей. Старшая дочь замужем, младшая дочь школьница, а сын находится в России на заработках. С 2000 года Жанатай начала заниматься торговлей тканей, платков, полотенец, салфеток, стартовав с суммой в 3,000 сом (KGS), Жанатай сумела развить свой бизнес с ежемесячным доходом в сумме около 20,000 сом (KGS). В целях расширения ассортимента товаров, Жанатай обратилась в Банк «Бай – Тушум» за кредитом. Жанатай планирует вложить доходы от бизнеса в дальнейшее увеличение ассортимента товара.

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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,773,000
    Funds lent in using Kiva
  • 51.7
    Kyrgyzstan Soms (KGS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $975 helped Janatay to buy fabric, scarves, towels and napkins for retail sale.
94% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Feb 4, 2014
Feb 17, 2014
Currency Exchange Loss:
Jul 17, 2015