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Narynbaeva's Group
In this Group: Narynbaeva, Esentaeva, Imatova, Otorov
Generally, by means of TV channels and newspapers, we obtain an opportunity to learn how the economy is developing and how the whole country is growing. Regarding the lives of individuals, however, there is little information available. So, the only way to learn is to consider our own lives and look at the lives of the people surrounding us. The general economic state of each country is estimated from all these lives.

Our heroes (these group members) represent the multiplicity of any population. N. is fifty-five years old. She is a widow. She and her husband were happy enough, as they were endowed with six children. Most of these children are grownups, and not only make their own living, but also actively support N. in her old age.

Her eldest daughter is married and works in Afghanistan, on American military bases. Her second daughter is married and works in Russia. The other two daughters are working in the capital city of Bishkek. Two of her sons are living with her. The elder one works for the local municipality. The younger son is fifteen and goes to school.

N. keeps a cow, and does some household work. Her sons help her in their free time. N. decided to apply for this loan to buy a refrigerator.

N.’s partners:

T. Esentaeva, 39, is married and has a twelve-year-old son. Her husband works in construction. T. is occupied with raising cattle, and intends to buy more calves to increase the total population. Therefore, this loan is very important to her.

N. Imatova, 49, is a widow. She has a twenty-year-old son. He goes to college. N. is occupied with cattle breeding and this brings her a monthly income of about $110. N. needs this loan to purchase more cows or calves. She hopes that in the near future she will be able to buy her son a car.

N. Otorov, 30, is the father of two little kids. His wife stays at home with the children. N. is the sole provider. He works as a taxi driver. N. hopes to obtain this loan because he is planning to purchase calves.

--- 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 which 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 the 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
  • 61
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 46.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Narynbaeva's Group's $875 loan helped a member to purchase a refrigerator.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Apr 16, 2010
May 11, 2010
Currency Exchange Loss:
Dec 15, 2010