A loan of $875 helped to buy dairy cows to increase her herd and sales of organic milk.


Kulsara's story

Kulsara is 56 years old, married, and has 5 children. Kulsara has a secondary education; by nature, she is responsible and hardworking. As the main income for her family, she has been farming for many years. Thanks to her hard work and responsible approach to business, Kulsara was able to build her farm up to 2 cows, 10 sheep, and 2 hectares of irrigated land on which she grows organic beans. Kulsara has a contract for the supply of organic milk to the local factory for further processing into dairy products. This allows her to continuously invest in her agricultural business.

Having learned that she can get a loan from Bai Tushum Bank on the security of her contract for future delivery, within the product "Chain of Value Added", Kulsara applied for a loan of 60,000 KGS to buy dairy cows to increase her herd and the volume of milk. The factory’s payments for milk will be directly deposited to her bank account, and loan payments will be automatically deducted. She plans to invest the loan income in the further expansion of her business and in her children’s education.

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Translated from Russian by Kiva volunteer Ann Merrill.


This loan is special because:

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



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Loan details