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Jyldyz's Group
In this Group: Jyldyz, Joldoshbek, Elmira, Saule
Jyldyz, the leader of this group, is thirty-one years old. She has a husband and a seven-year-old daughter. To provide for the family, her husband works as a security guard.

Her husband’s intention has always been to let Jyldyz stay at home and be a housewife, so that she could give best possible upbringing for their daughter, who has already started to go to school. When their daughter was little, Jyldyz obediently sat at home and looked after the child. After their daughter grew a little older, Jyldyz started to grow and sell strawberries. She thriftily saved her earnings and bought a cow for three hundred and ninety five dollars. Due to these contributions of hers, they have been able to build a home.

Now, Jyldyz is still a housewife, but she manages to make money selling milk as well. Her monthly income from selling milk only constitutes seventy dollars. She sees great opportunities in animal husbandry and is resolute about continuing to breed and increase her total population of livestock. Therefore, Jyldyz has applied for this loan to buy a calf to raise and coal for the winter season. She is planning to build temporary buildings and sheds for her cattle behind the house.

Jyldyz’s partners are:

Joldoshbek, 56, is a stock breeder. He is the father of five children: four sons and one daughter. All his sons work and live separately. His wife works in a hospital as a medical assistant. Joldoshbek hopes to obtain a loan to purchase several sheep to raise.

Elmira, 40, is the mother of seven children. Her eldest daughter is twenty four and her little daughter is three. Her husband has a tractor and provides ploughing services for villagers. Elmira needs a loan to buy a calf.

Saule, 40, has three children and her eldest daughter goes to college. Her husband trades in meat at a local market. Saule is a housewife and also looks after cattle and sells milk. Selling milk brings her $24 a month. Saule needs a loan to purchase sheep to raise.

--- 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 in order 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 from 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
  • 73
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 44.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Jyldyz's Group's $1,050 loan helped a member to buy a calf to raise and coal for the winter season.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 1, 2009
Dec 24, 2009
Currency Exchange Loss:
Oct 15, 2010