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Ainur's Group
In this Group: Ainur, Lira, Baktygul, Aftandil
T. Ainur is the leader of this group. She is forty-five years old and has three children. Her two sons are sixteen and fifteen and her daughter is eleven. For Ainur’s family, living in a village does seem to be a burden, unlike many other villagers who leave villages because of an absence of opportunities for improving one’s living standards.

Ainur’s husband has been working as a physics teacher in a local school. As for Ainur, she has been engaged in cattle breeding and increasing the total population of their livestock. Their stable income from raising the livestock for resale, is $90 a month. Ainur’s children have already learned the aspects of this activity and actively provide help when needed after school.

Ainur and her husband are good examples of the category of people who prefer to make the best use of the conditions and opportunities available instead of blaming others for not being able to live properly. Recently they made a decision to make some changes to their house as well. They decided to build a new house and a separate bathroom. This is not an easy task and they need quite a lot of financial support. Therefore Ainur strongly hopes to obtain this loan to start building.

Ainur’s partners:

R. Lira, 51, has three children. Her husband works as a security guard and he also farms land. Lira is a housewife. Besides that, she keeps some cattle at home and thus helps her husband have an extra source of family income. Lira needs a loan to buy fuel, seed potatoes and wheat seeds for the family farm.

I. Baktygul, 53, has four children and her husband is a private farmer. Baktygul is a language schoolteacher; she teaches both Russian and Kyrgyz. They also own a piece of land and now need a loan to buy fuel for farming.

Z. Aftandil, 24, is single. He wants to get married and buy a car but he knows that to achieve this, he needs to work hard and earn a sufficient amount of money. He has already started saving money. Now he farms land and needs a loan to buy fuel and seed potatoes.

--- 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,014,625
    Funds lent in using Kiva
  • 45.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Ainur's Group's $900 loan helped a member to start building a house.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 21, 2010
May 17, 2010
Currency Exchange Loss:
Nov 15, 2010