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Gulanda is 33 years old, married and has four children who are toddlers or in elementary school. Gulanda has a secondary education. Gulanda is calm, level-headed and hardworking. Her husband helps her with her business. As an additional source of income for her family, Gulanda has been practicing livestock breeding and crop farming for many years. Starting this business basically from nothing, thanks to Gulanda's hard work, she currently has 4 milk cows and 1 horse on her farm. She also has a 1.50 hectare plot of land on which she grows watermelon. This business brings in about 15,000 som (KGS) per month from the sale of milk and dairy products, as well as the summer watermelon season, which primarily serves to cover the food expenses and daily living needs of the family. For the purpose of further developing her business, Gulanda turned to Microfinance Bank "Bai Tushum." She is requesting a loan in the amount of 130,000 som (KGS) to buy cows. Gulanda plans to invest the earnings from the loan in the further expansion of her farm. She also wants to save money to build a house for her family in the future.
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Гуланда, 33 года, замужем, 4 детей школьного и дошкольного возраста. У Гуланды среднее образование. Гуланда спокойная, уравновешенная и трудолюбивая. Супруг помогает по бизнесу. В качестве дополнительного дохода для своей семьи, Гуланда уже много лет занимается животноводством и полеводством. Начав этот бизнес почти с нуля, благодаря упорному труду, в хозяйстве Гуланды имеется: 4 дойные коровы и 1 лошадь, а также есть земельный надел 1,50 ГА, на котором выращивает арбузы. Ее деятельность приносит около 15,000 сом (KGS) в месяц, от продажи молока, молочной продукции, а также в летний сезон арбузов, что служит основой для покрытия расходов на питание и бытовые нужды семьи. В целях дальнейшего развития своего хозяйства, Гуланда обратилась в Банк «Бай –Тушум» за кредитом в сумме 130,000 сом (KGS) на покупку коров. Доходы от кредита она планирует вложить в дальнейшее увеличение своего хозяйства, а также, в будущем хочет накопить средства на строительство жилого дома для своей семьи.

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
  • 81
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 54.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,400 helped Gulanda to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 22, 2014
May 17, 2014
Currency Exchange Loss:
May 17, 2015