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Nargiza's Group
In this Group: Nargiza, Nariste, Baktygul, Larisa, Nurlan
The leader of this group is Nargiza, a 30-year-old woman with a strong character. She is divorced and has raised two children on her own, both of whom are at school. Even though her family consists of just three members, Nargiza has to work hard to provide them with a worthy life. She makes a living by selling video and audio CDs, DVDs and mp3 players. Sometimes, she even manages to trade in cattle. She is very fortunate to have a caring brother, who is always by her side at difficult times. When Nargiza leaves her stall to transport goods, he replaces her so that trade is not interrupted.

Two years in business have brought her evident results: purchase of a car for transporting goods, and some convenience goods for her home. Her original investment was $70 USD, and her current monthly income is around $480 USD. Nargiza's plan is to build a house and set her children on their feet by providing them with a good education. For this, Nargiza needs a loan to purchase video and audio CDs, DVDs, children’s school uniform, table napkins and diapers, as she has noticed a growing demand for these goods.

Nargiza’s partners are Nariste, Baktygul, Larisa and Nurlan. Nariste, 26, is married. Her husband is a security guard at a casino, whereas she buys milk products wholesale and sells them at the market. She needs a loan to buy butter, cottage cheese and sour cream.

Baktygul, 34, has two children. She sells foodstuffs in a small shop. In addition, she sells chewing gum, cigarettes and vitamins, at the city market. Baktygul needs a loan to purchase school equipment, cereals, soft drinks and ice-creams.

Larisa, 34, is married and has three children. She trades in fish, and her husband is a minibus driver. Larisa needs a loan to purchase frozen fish, school equipment and clothes for her children.

Nurlan, 30, is married with one child. He works as a security guard at two locations. In addition, he manages to keep cattle. He needs a loan to buy a calf.

Where did this loan come from?

This loan is brought to you by Mol Bulak Finance, a young and ambitious socially-focused MFI in Kyrgyzstan.

Mol Bulak Finance is strongly committed to the principles of sustainable development on the basis of the 3-Ps concept: People (building human capital and taking care of its customers and society as well), Profit (to be profitable to grow further), and the Planet (taking care of the environment). It is also the only MFI in Kyrgyzstan that delivers its services to customers 365 days a year. To learn more about Mol Bulak and to view a video presentation about the organization, please visit:

If you would like to support and learn more about Kyrgyzstan and microfinance in Central Asia, please join our Lending Team, Supporters of Kyrgyzstan, at Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and Mol Bulak staff.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 36
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,533,000
    Funds lent in using Kiva
  • 44.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Nargiza's Group's $1,700 loan helped a member to purchase video and audio CDs, DVDs, school uniform, napkins and diapers to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 17, 2009
Sep 12, 2009
Currency Exchange Loss:
Jan 15, 2010