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Kulumkan is a 67 year old widow who raised six children. For a long time after her husband's death, Kulumkan couldn't cope with the loss of someone so dear to her. But she had to raise her children and get them standing on their own feet, so she took the responsibility for her household and material well-being into her own hands. Kulumkan has a secondary level education and her family's main source of income is the animal husbandry business she started 22 years ago with the purchase of 8,000 som (KGS) worth of cattle. As a result of her hard work, today Kulumkan has three milk cows and two calves. Her monthly income amounts to 10,000 som (KGS).

With an aim to further development of her business, Kulumkan applied to Bai Tushum & Partners for a loan to buy calves. Kulumkan plans to invest the profits from the loan in further increasing the size of her her and to save money to buy a car.
View original language description ↓
Кулумкан 67 лет, вдова, воспитала 6 детей. После смерти супруга, Кулумкан очень долго не могла пережить утрату близкого человека. Нужно было воспитывать и ставить на ноги детей и Кулумкан решила взять хозяйство и материальную ответственность в свои руки. У Кулумкан - среднее образование, в качестве основного дохода для своей семьи Кулумкан занимается животноводством, стартовав 22 года назад, с покупки скота на 8,000 сом KGS. Благодаря упорному труду Кулумкан, в ее хозяйстве на сегодняшний день имеется: 3 дойные коровы, 2 теленка. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Кулумкан обратилась в Банк "Бай-Тушум" за кредитом - на покупку телят. Доходы от кредита Кулумкан планирует вложить в дальнейшее приумножение количества домашней скотины, и намерена собрать средства на покупку автомашины.

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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,880,625
    Funds lent in using Kiva
  • 51.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,950 helped Kulumkan to buy calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 25, 2014
Mar 1, 2014
Currency Exchange Loss:
Mar 19, 2015