A loan of $1,700 helped a member increasing goods turnover and merchandise variety.


Kumushay's Group's story

The heroes of our story are citizens of the town of Balykchi. They consistently put forth huge efforts in order to lead a decent life. Some of them are the only providers for their families. Kumushay A. is the leader of the group. She is a mother of three children: two sons and one daughter. All of the children attend universities, and the huge burden for paying their education contracts lies on the shoulders of Kumushay and her husband. In order to provide the children with education, Kumushay took out a loan in the sum of five thousand som ($100) in 2001 and started selling various goods (seeds, chewing gum, candy, etc.) at a store that she opened together with her husband near their home. She was fortunate to have the store near a school. The sales were very good, and soon Kumushay and her husband were able to increase the goods turnover to twenty thousand som ($450). Their current net monthly profit from the sales is from five to six thousand som. Her husband and daughter primarily work at the store now. Kumushay found a salesperson job at a pharmacy opposite a hospital and receives a salary in the sum of four thousand som ($90). She needed means to increase goods turnover and merchandise variety at their store. This is why she requested this loan. Her group partners are: Elmira B. is forty-five years old. Her husband works as a security guard. Elmira has three children, two of whom attend universities. Elmira works as a cook at a café. She needs a loan in order to repay a debt for son’s education. Her son is in his first year of a law academy. Burulush B. is fifty-four years old. She is a mother of two children. The children are already grown and earn their own living. The son is involved in livestock sales, and Burulush makes national goods to-order. She has consistent customers. Burulush needs a loan to help her son buy several sheep for resale. Rahatbek Dyushenov is thirty-five years old. His wife is a homemaker, and this is why he is mainly responsible for supporting the family. Rahatbek is involved in agriculture. He buys livestock, fattens it and resells it. He requested this loan because he wants to purchase household appliances. Almaz J. is thirty-two years old. He has one six-year-old son. In order to provide for his family, Almaz provides taxi services throughout the town using his own car. He is able to make around five-six thousand som per month. Almaz needs this loan in order to repair his car.

In this group: Kumushay, Elmira, Burulush, Rahatbek, Almaz
*not pictured

Translated from Russian by Kiva volunteer Anna Sorokina-Hailey


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Loan details