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Tamara's Group
In this Group: Tamara, Djumakul, Kenjekan, Jyldyz
Tamara J., the leader of this group, is a resident of the town of Karakol. This town has been long known for the unique beauty of its surrounding nature. Tourists from many countries come here to enjoy the clean mountain air, skiing at ski resorts and also just look at the nature, mountain trees and majestic mountains of Kyrgyzstan.

Tamara is fifty-eight years old. She lives together with her husband, oldest son, daughter-in-law and youngest daughter. Tamara’s husband is retired and spent the last few years on permanent rest. The oldest one is a taxi driver. The second son is a student. He goes to one of the universities in the capital. The son’s salary is obviously not enough for the whole family, and Tamara and her husband are involved in a domestic business. They grow potatoes and milk, five to six liters, per day, and this yields them close to two thousand som per month. Also, Tamara sells eggs. Once Tamara and her husband took twenty tons of potatoes to Kazakhstan and successfully sold it. They were able to buy a kashar (barn for livestock located at the bottom of the mountains near a pasture). So everyone in the family stays busy. Tamara needs some help. She needs a loan in order to buy diesel fuel for field work. It is needed to prepare the field for sowing potatoes.

Djumakul S. is fifty years old. She raised five children. Djumakul tried to provide for her children all her life and to this day, finds no rest. Even now, she works at a school as a server at a buffet. Her salary is only eight hundred thirty som. Djumakul’s husband is involved in electrical and welding work, and one of the sons is involved in agriculture. This is why Djumakul hopes to obtain this loan and help her son buy diesel fuel for field work.

Kenjekan R. is forty-eight years old. She has six children. The oldest daughter is twenty-seven, and the youngest son is eleven years old. Kenjekan works at the village outpatient clinic, and the husband retired and does not work. She hopes to get this loan in order to buy diesel fuel and help her son with field work.

Jyldyz U. is twenty-five years old. She has two twin sons. Her husband works as a tractor-combainer driver, and Jyldyz sells five liters of milk daily, which helps the husband support the family. She requested this loan in order to buy diesel fuel for spring field work. They plan to plant wheat.
View original language description ↓
Тамара Жайлообаева, лидер группы – жительница г. Каракол. Этот город издавна славен своей необычайной красотой окружающей его природы. Туристы из многих стран приезжают сюда, чтобы насладиться чистым горным воздухом, катанием на лыжах на лыжных базах загородом, а также просто посмотреть на природу, на горные ели и величественные горы Кыргызстана.
Тамаре пятьдесят восемь лет. Она живёт вместе с мужем, старшим сыном, невесткой и младшей дочерью. Муж Тамары – пенсионер и последние годы находится на постоянном отдыхе. Старший сын – таксист. Второй сын – студент. Он учится в одном из столичных ВУЗов. Одних заработков сына на всю семью естественно не хватает и Тамара и её муж занимаются домашним хозяйством. Они выращивают картошку и сдают молоко ежедневно по пять – шесть литров, и это приносит им около двух тысяч сомов ежемесячно. А также Тамара продаёт яйца. Однажды Тамара с мужем повезли двадцать тонн картошки в Казахстан и удачно её реализовали. Им удалось приобрести кашар (это стойло (stall) или загон для скота, который находится у подножия гор, рядом с пастбищами). Сейчас их скот находится в кашаре. Таким образом, дома все заняты делом. Тамаре, необходима кое – какая помощь. Она нуждается в кредите, чтобы купить ГСМ на полевые работы. Нужно подготовить поле к посадке картофеля.

Джумакул Солтоевой пятьдесят лет. Она воспитала пятерых детей. Джумакул всю жизнь старалась ради детей и до сих пор не знала отдыха. Она и сейчас работает в школе раздатчиком в буфете. Её зарплата составляет всего восемьсот тридцать сомов. Муж Джумакул занимается электро – сварочными работами, а один из сыновей занимается сельским хозяйством. Поэтому Джумакул надеется получить этот кредит и помочь сыну купить ГСМ на полевые работы.

Кенжекан Рысбековой сорок восемь лет. У Кенжекан шестеро детей. Старшей дочери двадцать семь, а самому младшему сыну одиннадцать лет. Кенжекан работает заведующим сельского ФАПа, а муж вышел на пенсию и не работает. Кенжекан надеется получить кредит, чтобы купить ГСМ и помочь сыну в полевых работах.

Жылдыз Узаковой двадцать пять лет. У Жылдыз два сына – близнецов. Муж Жылдыз работает трактористом – комбайнером, а Жылдыз ежедневно сдаёт по пять литром молока и тем самым помогает мужу кормить семью. Жылдыз обратилась за этим кредитом, с целью закупить ГСМ для весенних работ на поле. Они собираются сажать пшеницу.

--- 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 3-Ps concept - People (building human capital and taking care of its customers and the society as well), Profit (to be profitable to grow further) and the Planet (taking care of the environment). It is also the only MFI in Kyrgyzstan who 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 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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 45.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Tamara's Group's $1,000 loan helped a member purchase of diesel fuel for field work.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 18, 2010
Apr 20, 2010
Currency Exchange Loss:
Jan 15, 2011