A loan helped to purchase two dairy cows and two steers in order to invest in her business.


Kulizar's story

Kulizar has successfully repaid her loan, using the funds according to their designated purpose. She expresses her gratitude to the Kiva Fund and to everyone who helped her with her financing.

Kulizar works as a leading expert on social issues. There are 8 cows and 25 sheep on her farm. She grows barley and alfalfa for resale on 4.2 hectares of land. She sells milk and dairy products (cheese, sour cream, butter, and sheep's milk cheese). Her total monthly income is around 11,000 som (KGS).

Kulizar has again applied to Bai Tushum Bank CJSC for a loan of 150,000 som (KGS) to buy 2 steers and 2 dairy cows to increase her headcount of livestock and her yield of organic milk. She will use the proceeds from the loan to continue developing her business.

Translator profile picture

Translated from Russian by Kiva volunteer Laurie Dermer.


This loan is special because:

It includes a rebate if all repayments are made on time.



Loan details


Lenders and lending teams




Loan details