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Gulnara's Group
In this Group: Gulnara , Darya , Svetlana , Larisa
Women are known as the weak sex. But when it comes to reality, they prove to be at least as robust and persevering as men. Maybe they naturally tune themselves to be strong and patient in face of difficulties and obstacles in life. As a matter of fact, when needed, they can set themselves on the right frequency of determination and success.

Gulnara U. is the leader of this group. She is 46 years old. Her husband works as a builder. She has two children. Her son, 19, is a cattle breeder and her daughter is in ninth grade. Gulnara trades in forage. She used to have some cattle. Then she sold them and started the trade in coal and forage.

In their spare time her children help their mother sell the forage. During three years of trading in forage and feed, Gulnara and her husband have been able to buy a second house. Now her monthly income reaches somewhere 70 USD and that is why Gulnara wants to increase the amount of forage for sale. She hopes to use this loan to purchase more forage.

Gulnara’s partners are:

Darya B. is 19. She is single and works in a cable producing factory as a specialist–isolator. Her monthly salary is around 80 USD. She decided to apply for this loan as she plans to repair her flat, buy curtains and a DVD–player.

Svetlana D., 44, is divorced. She has two children. Both of them work and live separately. Svetlana works at a barber’s shop. She and a friend of hers decided to open their own barber shop and finally managed to accomplish this plan. Svetlana needs a loan to renew the equipment and repair the pipes.

Larisa S. is 37. She is single and has a 17–year-old daughter. Larisa works in a barber’s shop. She needs to help her friend repair the barber’s shop, but her salary is only 80 USD and therefore she hopes to obtain this loan. She plans to open a small shop.

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
  • 52
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 45.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulnara's Group's $875 loan helped a member to purchase a larger amount of forage for sale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 23, 2010
Apr 8, 2010
Currency Exchange Loss:
Dec 15, 2010