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Gulzhamal is 44 and a widow with four children who all help around the house. She has a high school education and works as a schoolteacher. Since 1988, she has also worked in agriculture, specifically growing crops and animal husbandry. She is a very kind and responsible woman, very social and hardworking. She has four milking cows with calves, and her fresh milk and dairy products are in great demand among local residents to whom she sells them. Gulzhamal and her children also grow cotton on 0.8 hectares of their own land and sell it to wholesale buyers. Her total family income is about 20,000 KGS a month. Her customer base increases every day and therefore Gulzhamal has decided to develop her business. She has turned to Bai Tushum Bank for a loan of 100,000 KGS to buy mineral fertilizers and two milking cows. She plans to build a big barn with profits from the loan and to start building a house for her son.
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Гулжамал 44 года, вдова, мать 4 детей, все дети помогают по хозяйству. Образование у Гулжамал среднее, она работает в школе учителем, так же дополнительно с 1988 года занимается сельским хозяйством, а именно полеводством и животноводством. По характеру она очень приятная и отзывчивая женщина, она очень общительная и трудолюбивая. В хозяйстве Гулжамал есть 4 дойные коровы с телятами, экологически чистое молоко и молочная продукция пользуются большим спросом среди местных жителей, которым она и реализует молоко. Также Гулжамал вместе со своими детьми выращивает на 0,80 ГА собственной земли хлопок, который реализует оптовым покупателям. Совокупный доход семьи составляет около 20,000 (KGS) в месяц. Количество покупателей растет с каждым днем, поэтому Гулжамал решила развить свою деятельность. Для этого она обратилась в Банк «Бай - Тушум» за кредитом в сумме 100,000 сом (KGS) на покупку минеральных удобрений и двух дойных коров. На прибыль от кредита планирует построить большой сарай для скота и начать строительство дома для сына.

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
  • 81
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 51.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,950 helped Gulzhamal to buy fertilizers to increase her cotton harvest and to purchase dairy cows in order to increase revenue from milk sales.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 9, 2014
Aug 2, 2014
Currency Exchange Loss:
Aug 17, 2015