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Update on Janyl

Janyl paid of her first loan in time and she has now turned to Bai Tushum Bank for a loan of 130,000 som (KGS) to buy bulls for resale. Janyl has two children, but unfortunately, she and her husband have divorced. She lives on her own and she maintains a farm with two cows, one calf and 25 sheep, as well as a 2-hectare plot of land, on which she grows barley and hay. Janyl plans to use the income from this loan to develop her business further so she can provide for her children and pay for their education.
View original language description ↓
Первый кредит Жаныл благополучно погасила, во второй раз обращается в Банк "Бай-Тушум" за кредитом в сумме 130,000 сом (KGS) для покупки бычков с последующей реализацией. У Жаныл 2 детей, но она, к сожалению, развелась с мужем, живет отдельно и ведет хозяйство в количестве 2 коров, 1 теленка и 25 овец, также обрабатывает 2,00 ГА арендованной земли, где выращивает ячмень и сено. Доходы от кредита Жаныл планирует вкладывать в дальнейшее развитие своего бизнеса, а также в воспитание и образование детей.

Previous Loan Details

Janyl is 22 years old, married and raising a son. As a source of income for her family Janyl does animal husbandry. She started the business two years ago with the purchase of a cow in the amount of 70,000 KGS and now the business brings her around 5,000 som (KGS) a month from the sale of milk an... More from Janyl's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Kyrgyzstan

  • $2,500
    Average annual income
  • 63
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,891,700
    Funds lent in using Kiva
  • 51.6
    Kyrgyzstan Soms (KGS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,525 helped Janyl to purchase cows and steers in order to be more profitable so she can provide for her children.
50% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jul 23, 2014
Aug 8, 2014
Currency Exchange Loss: