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Gulnara is 60 years old and has a higher education. Since 1982, she has been running her own business of raising cattle. She started this business with 5,000 som (KGS). She currently has 3 cows, 15 calves, 7 horses and 81 sheep on her farm. Her monthly income is 15,000 som (KGS). Gulnara is calm, well-adjusted and hardworking by nature. Her husband and children help her with this business. By the way, she has six children. The earnings from her farm allow Gulnara to give her children a good education. For the further development of her business, Gulnara requested a loan from Microfinance Bank "Bai Tushum" to buy bull calves. Gulnara plans to invest the earnings from the loan to further expand her farm. She also wants to improve her living conditions in the future.
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Гульнаре 60 лет,имеет высшее образование. С 1982 года она занимается собственным бизнесом, разводит скот. Свою деятельность она начала с 5,000 сомов (KGS), и на сегодняшний день в хозяйстве имеет 3 коровы, 15 телят, 7 лошадей и 81 овцу. Ежемесячный доход составляет 15,000сомов (KGS). Гульнара по характеру: спокойная, уравновешенная и трудолюбивая. Супруг и дети помогают по бизнесу. К слову, у нее шесть детей. Доходы от хозяйства позволили Гульнаре дать хорошее образование своим детям. В целях дальнейшего развития своего хозяйства, Гульнара обратилась в Банк «Бай –Тушум» за кредитом на покупку бычков. Доходы от кредита Гульнара планирует вложить в дальнейшее увеличение своего хозяйства, а также, в будущем хочет улучшить условия проживания.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    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 bull calves.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 31, 2014
Apr 7, 2014
Currency Exchange Loss:
Oct 17, 2014