Adding to basket
Gulzat is 38 years old, married, and is raising a son. She has a secondary education. Gulzat has been farming for 18 years. Owing to her hard work, she now has a well-established farm with 2 cows, 30 sheep, a horse, and a 0.5-hectare plot of irrigated land where she grows beans. Gulzat has a contract for organic milk deliveries to a local factory, for further processing into dairy products. This allows Gulzat to continually invest in her farming business. Gulzat learned that since her products are part of the value chain, she could take out a loan from Bai Tushum Bank as an advance on her contract for future milk deliveries, so she applied for a loan of 150,000 KGS. She'll use the loan to buy purebred dairy cows, so she can increase her milk production. Payments from the factory for the milk will be transferred directly to Gulzat's bank account, and the loan payments will be automatically deducted. She plans to use the resulting income to build a house.
Translated from Russian by Kiva volunteer anonymized. View original language description.
