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Zyinatkan's Group
In this Group: Zyinatkan, Ainur, Farida, Mirbek
The leader of the group Zyinatkan comes from the city of Karabalta. She has lived a simple life, raising three children. After the children grew up and left to work she still engaged herself in doing her everyday work around the house. She keeps some cattle and manages to earn a certain amount of money by selling milk.

The children have begun to make their own living. The eldest and the middle brothers are married and live separately. The youngest son, now 21, is also married. But according to Central Asian tradition, the youngest son stays with his parents to take care of them once they get old.

Life in the rural area has been more attractive to Zyinatkan than the life in a bustling city. The fresh air and everyday work of raising cattle have kept Zyinatkan young. She loves the way she lives and enjoys every day of her life. Now that her son is by her side and helps look after the cattle, her life is even easier.

Selling milk brings Zyinatkan about $70 a month. Because of this money, Zyinatkan has been able to make some repairs at home. One thing that concerns Zyinatkan is the winter season. They need coal to get through it. Zyinatkan has applied for this loan to purchase a sufficient amount of coal.

Zyinatkan’s partners are:

Ainur, 45, keeps cattle and sells milk. Her husband helps Ainur around the house. They have five children: four daughters and one son. Two daughters live separately. Ainur needs a loan to prepare a dowry for their third daughter.

Farida, 44, and her husband are raising four children. They keep cattle and farm. They make their living by selling milk and onions that they grew. Farida needs a loan to make a repair at her house. Her goal is to give all her children a good education.

Mirbek, 21, is single. He is already making his own living. He has a trailer and offers transportation services. Besides that, he raises livestock and sells milk. Mirbek needs a loan to buy fuel for sowing.

--- 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 the 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 view a video presentation about the organization, please visit:

If you would like to support and learn more about Kyrgyzstan and micro-finance 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 the 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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,879,225
    Funds lent in using Kiva
  • 43.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Zyinatkan's Group's $1,150 loan helped a member to buy coal for the winter season.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 24, 2009
Dec 6, 2009
Currency Exchange Loss:
Sep 15, 2010