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Gulzat is 27 years old, married, and has two toddlers. Gulzat has a secondary-specialized education. She graduated from a vocational school for consumer goods manufacturing. Gulzat is punctual, emphatic, neat and hardworking by nature. Her husband helps her with her business. As an additional source of income for her family, she has been practicing livestock breeding for many years already. She started this business with 5,000 som (KGS). Thanks to Gulzat's hard work, she currently has 2 milk cows, 2 horses and 55 sheep on her farm, as well as a 2.80 hectare plot of land. This business brings in on average 12,000 som (KGS) per month, which mainly serves to cover the family's food expenses and daily living needs. For the purpose of further developing her business, Gulzat turned to Microfinance Bank "Bai Tushum." She is requesting a loan to buy cows. Gulzat plans to invest the earnings from the loan in the further acquisition of livestock. She also intends to save money to increase the size of her barn in the future and to buy a car for her family.
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Гульзат 27 лет, замужем, двое детей дошкольного возраста. Гульзат имеет средне-специальное образование, она заканчивала техникум по легкой промышленности. Гульзат по характеру: пунктуальная, темпераментная, аккуратная и трудолюбивая. Супруг помогает по бизнесу. В качестве дополнительного дохода для своей семьи, уже много лет занимается животноводством, начав этот бизнес с 5,000 сомов (KGS). Благодаря упорному труду Гульзат, в хозяйстве имеется: 2 дойная корова, 2 лошади и 55 овец, а также есть земельный надел размером 2,80 ГА. Ее деятельность приносит в среднем около 12,000 сомов (KGS) в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи. В целях дальнейшего развития своего хозяйства, Гульзат обратилась в Банк «Бай –Тушум» за кредитом на покупку коров. Доходы от кредита Гульзат планирует вложить в дальнейшее увеличение своего хозяйства, а также, в будущем хочет увеличить площадь сарая и приобрести для своей семьи автомобиль.

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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,300,500
    Funds lent in using Kiva
  • 54.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Gulzat to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 1, 2014
Apr 16, 2014
Currency Exchange Loss:
Apr 17, 2015