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A loan helped to buy dairy cows in order to increase her volume of organic milk sales to a factory.
Zhyldyz has a contract to supply organic milk to a local factory for further processing into dairy products. This allows Zhyldyz to constantly invest in her own farming business. After Zhyldyz found out that she could take out a loan from Bai Tushum Bank by using her milk contract as collateral (under the "Value Chain" scheme), she applied for a loan of 200,000 som (KGS) to purchase dairy cows to increase her volume of organic milk sales.
The factory's payments for the milk will be directly transferred into Zhyldyz's bank account, whereas the loan repayments will be automatically deducted. The funds from the loan will help Zhyldyz to further develop her farm and give her children a good education.