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


Nazgul's story

Nazgul is 27 years old, married, and she has two young daughters and one son. She has a college degree and works as a primary school teacher in a local school. She is also involved in animal husbandry and crop farming, two activities which constitute an additional source of income. Thanks to her very hard work and to her responsible management of the business, her farm now includes 11 cows, 49 sheep, and two horses. She also owns 1.2 hectares of land where she grows organic beans for resale.

Nazgul has a contract to supply organic milk to a local factory which produces dairy products. This allows her to continually invest in her agricultural business. Having learned that Bai Tushum Bank offers a "Value Added Chain" product, which could allow her to take out a loan secured against the future deliveries stipulated in her contract, she decided to take a loan of 150,000 som (KGS) to buy three dairy cows. This loan will help her to increase her cattle headcount and her sales of milk. The milk payments from the factory will go directly into her bank account, and the loan repayments will be deducted automatically. The earnings from her loan will allow Nazgul to further expand her business and to perform some repairs at home, which will help improve her family's living conditions.

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Translated from Russian by Kiva volunteer Sophie Narayan.


This loan is special because:

It allows farmers to increase production and income in a guaranteed value chain.



Loan details


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Loan details