Total loan: $1,900


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Kara-Buura village, Talas region, Talas Region, Kyrgyzstan / Agriculture

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A loan helped to buy dairy cows to increase her cattle headcount and sales of organic milk.

Galya's story

Galya is 34 years old and married, with two children. She has a secondary education. She has been raising livestock and growing crops for more than two years, and this is her family's main source of income. Thanks to her hard work, Galya's farm presently consists of two cows, 20 sheep, two horses, and a 3.29-hectare plot of land on which she grows beans and wheat.

Galya has a contract to deliver organic milk to a local plant where it is processed into dairy products. This permits her to put money back into her business on an ongoing basis. After learning that she could obtain a loan from Bai Tushum Bank, using as collateral the contract for future deliveries under a Value-Added Chain arrangement, Galya has applied for a loan of 150,000 som (KGS) to buy dairy cows. Her goal in this is to increase her milk sales. The dairy plant's payments for the milk will be deposited directly into Galya's bank account, and the loan payments will be automatically deducted. The income generated by this loan will allow her to develop her farm and finish building a house in the foreseeable future.