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


Elmira's story

Elmira is 54 years old and married, with three children. She has a secondary education and has been raising livestock and growing crops since 1983. This is her family's main source of income. Her neighbors speak of her as a responsible, honest, and industrious person. Thanks to Elmira's hard work and her husband's help with the farm, it presently consists of five cows, 20 sheep, and a 1.5-hectare plot of land on which she grows beans.

Elmira has a contract to deliver organic milk to a local plant, where it is processed into various milk products. This allows her to invest continuously in her agricultural business. After learning that she could obtain a loan from Bai Tushum Bank using the contract for future deliveries as collateral under a Value-Added Chain arrangement, Elmira applied for a loan of 120,000 som (KGS), with which she will buy two dairy cows to increase her livestock headcount and milk sales. The plant's payments for the milk will be deposited directly into Elmira's bank account, and the loan payments will be automatically deducted. The income generated by the loan will help Elmira buy land allotments and build a new barn at a later date.

Translator profile picture

Translated from Russian by Kiva volunteer Liv Bliss.


This loan is special because:

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



Loan details


Lenders and lending teams




Loan details