A loan of $1,375 helped a member purchase of livestock in order to finance various goals, such as building a home.


Kyyal's Group's story

M. Kyyal is the leader of this group. Kyyal has two children. Her husband is a cab driver. Her son, who is the oldest, is eleven years old and her daughter is just four. Kyyal herself takes care of the house. She keeps two cows and sells milk. In her free time, she also sews traditional national folk art and goods. In this way, even while staying at home, Kyyal is able to not only care for the children and fulfill her duties as housewife, but also to support the family budget. Many years ago, Kyyal became interested in breeding livestock. She has decided to take action and to try it. She wasn’t afraid to invest 18,000 soms (420 USD) of her own money toward the purchase of cows. Meanwhile, she and her husband were able to save up enough money for the purchase of a home. From the sale of milk and her folk creations, Kyyal currently earns 3,500 soms (82 USD) per month. That equals to her average monthly income. Now Kyaal would like to receive a loan to buy two calves for further breeding and for sale on the market. Kyaal would also like to build a large house on the income from her milk and folk goods sales, since construction requires the investment of a large sum of money all at once.


Here are Kyaal’s partners in the group: Miralan, Elmira, and Gulzat.


Miralan is twenty-two. He is already married and has a daughter. Miralan resells cattle on the livestock market. His wife stays at home, as their daughter is just one and a half years old. Miralan is a very capable businessman and provides sufficiently for his family. He hopes to receive a loan and to invest it towards his working capital. Miralan’s lifelong dream is to save up enough money to buy a private apartment.


Elmira is thirty-one years old. She is the mother of two children. Her youngest daughter is just three years old. Elmira works as a saleslady in the “National” shopping center. Her husband is a metalworker in the town of Tokmok. Thanks to a joint effort, Elmira and her husband were able to do a good job renovating their home. Elmira decided to apply for a loan in order to obtain a large cow. After reselling the cow, Elmira plans to buy a car.


Gulzat is thirty-three yars old. She is married and has two children. Gulzat works as a salesperson and consultant. Her husband is the founder of the firm “Asia Build.” Gulzat hopes to receive a loan and put it towards the trade of consumer goods. With the profits, Gulzat wants to buy herself a car.

In this group: Kyyal, Miralan, Elmira, Gulzat

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Translated from Russian by Kiva volunteer Anastasia Uglova


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