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Kulbakira is 48 years old and married. She has five children, three of whom are adults and live separately. Kulbakira has a secondary education. She has a good reputation amongst her neighbors. They describe her as a kind and hardworking woman. As the main source of income for her family, Kulbakira practices livestock breeding. She raises cows and sells their milk. She started this business in 1992 with 10,000 som (KGS). Thanks to Kulbakira's hard work, she has been able to develop and expand her business. Her business brings in about 10,000 som (KGS) per month, which mainly serves to cover the family's food expenses and daily needs. For the purpose of further developing her business, Kulbakira turned to Microfinance Bank "Bai Tushum." She is requesting a loan to buy cows. Kulbakira plans to invest the earnings from the loan in the further expansion of her business and building a barn. She also wants to give her children a good education in the future.
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Кулбакира, 48 лет, замужем. Имеет пятерых детей, трое из которых самостоятельны и живут отдельно. У Кулбакиры среднее образование, имеет очень хорошие отзывы от своих соседей. Они отзываются о ней как о доброй и трудолюбивой женщине. Кулбакира в качестве основного дохода для своей семьи, с 1992 года занимается животноводством, она разводит коров и торгует молоком, начав этот бизнес с 10,000 сомов (KGS). Благодаря упорному труду Кулбакира смогла развить и расширить свой бизнес, ее деятельность приносит около 10,000 сомов (KGS) в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи. В целях дальнейшего развития своего бизнеса, Кулбакира обратилась в Банк «Бай –Тушум» за кредитом на покупку коров. Доходы от кредита Кулбакира планирует вложить в дальнейшее расширение своего хозяйства, постройку сарая, а также в будущем хочет дать достойное образование своим детям.

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
  • $10,761,325
    Funds lent in using Kiva
  • 54.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Kulbakira to buy cows.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 18, 2014
Apr 8, 2014
Currency Exchange Loss:
Jan 18, 2015