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Nurzhan is 39 years old, married and has two children. Nurzhan has a secondary-specialized education. She worked for many years as an elementary school teacher. Since 1997, she has been running her own small farm where she practices livestock breeding. She currently has 1 cow, 1 bull calf, 5 sheep and 1 heifer on her farm. She also has a 1.75 hectare plot of land sown with barley. Good family ties produce good results. Specifically, her farm brings in an average monthly income of 8,500 som (KGS), primarily from the sale of milk and dairy products to local residents. There is a big demand for delicious home-cultivated milk which is why Nurzhan turned to Microfinance Bank "Bai Tushum." She is requesting a loan in the amount of 50,000 som (KGS) to buy a dairy cow. Nurzhan plans to use the earnings from the loan to increase the size of her herd. She is also determined to save money for her daughter's wedding.
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Нуржан 39 лет, замужем и имеет 2 детей. У Нуржан средне-специальное образование, много лет проработала учителем начальных классов. На сегодняшний день она ведет свое небольшое хозяйство с 1997 года, занимается животноводством, в хозяйстве есть 1 корова, 1 бычок, 5 овец и 1 нетель. Также есть земельный надел мерою 1,75 ГА засеянный ячменем. Добрые и хорошие отношения в семье дают хороший результат, а именно на сегодняшний день её хозяйство приносит ежемесячную прибыль в сумме 8,500 сом (KGS) преимущественно от реализации молока и молочной продукции местным жителям. Домашнее вкусное молоко пользуется большим спросом, поэтому Нуржан обратилась в Банк «Бай – Тушум» за кредитом в сумме 50,000 сом (KGS) на покупку дойной коровы. Доходы от кредита Нуржан планирует использовать для увеличения поголовья скота и намерена накопить средства на свадьбу дочери.

Additional Information

More information about this loan

This loan is part of Bai Tushum’s efforts to provide essential funds to farmers and agricultural producers to cultivate and process locally grown vegetables, crops, fruits and dairy products. These loans also help people in remote areas access lighting and heating for their households, promote green energy products and help reduce energy expenses. The program includes a 5% rebate of annual interest at the end of loan terms if all repayments are made on time. By funding this loan, you are helping low-income residents improve self-sufficiency, expanding domestic farmers markets and direct producer-to-consumer market opportunities, and making strides against poverty.

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
  • 73
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,958,050
    Funds lent in using Kiva
  • 51.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Nurzhan to buy a dairy cow to increase her revenue from selling milk products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 8, 2014
Jul 14, 2014
Currency Exchange Loss:
Jul 17, 2015