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Gulnara is 37 years old, married, and together with her husband, is raising five children. Gulnara has a secondary education. She got married very young. Gulnara and her husband practice livestock breeding and crop farming. She started this business 18 years ago, with an initial purchase of cattle in the amount of 5,000 som (KGS). Thanks to Gulnara's hard work, she currently has 2 milk cows and 2 calves on her farm. Her monthly income is 16,000 som (KGS) from the sale of milk as well as from cultivating a 2.0 hectare plot of land on which she mainly grows beans and peppers. The received harvest is sold to wholesale distributors. For the purpose of further developing her business, Gulnara turned to Microfinance Bank "Bai Tushum." She is requesting a loan to buy cows to increase the size of her herd. After purchasing the cattle, they will be located on her farm. In the summer, they will be under the care of a shepherd. Gulnara plans to invest the earnings from the loan in the further acquisition of livestock. She also intends to save money for her children's university educations.
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Гульнаре 37 лет, замужем, вместе с супругом воспитывают 5 детей. У Гульнары - среднее образование. Она рано вышла замуж. Вместе с мужем Гульнара занимается животноводством и полеводством, стартовав 18 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Гульнары, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 2 теленка. Ежемесячный доход составляет 16,000 сом (KGS) от реализации молока, также обрабатывает 2,0 ГА земли, где в основном выращивает -фасоль и перец. Полученный урожай реализуют оптовым поставщикам. В целях дальнейшего развития своего хозяйства, Гульнара обратилась в Банк "Бай-Тушум" за кредитом - на покупку коров для увеличения поголовья скота. После закупки коров, они будут находиться в собственном хозяйстве. Летом скот будет под присмотром пастуха. Доходы от кредита Гульнара планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на оплату обучения детей в высших учебных заведениях.

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
  • 54
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,291,700
    Funds lent in using Kiva
  • 54.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,225 helped Gulnara to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 28, 2014
Mar 13, 2014
Currency Exchange Loss:
Mar 19, 2015