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Umsunai's Group
In this Group: Umsunai , Dinar , Mira , Dinara
Umsunai A. works as a director of the post office in her village. She also breeds cattle and cultivates fruits and vegetables. She has been doing this for 16 years (after the USSR collapsed, the collective farms broke up in 1994 and people were able to keep some parts of the land and continue to farm it). Umsunai is 51 and a widow. She has raised three sons and a daughter. Two sons and the daughter are married and live separately with their families. The youngest son lives with Umsunai and helps her with housework. Umsunai is the leader of this group. She wants to get a loan to purchase 150 liters of fuel, which is needed for farming.

Dinar K. is 40 and married. She has three daughters and a son. The older daughter studies in college in Bishkek and the other children go to school. Dinar and her husband have been breeding cattle and cultivating fruits and vegetables since 1994. With money received from this loan, she will purchase 150 liters of fuel which is needed for sowing for the summer season.

Mira S. is 32 and married. She has a daughter and a son. Both of them study at school. Mira and her husband have been breeding cattle and cultivating fruits and vegetables since 1994. In this way, they make money to improve their living conditions. Mira applied for a loan because she needs money to pay the tractor driver for his services and to purchase 200 liters of fuel for farming.

Dinara Z. is the treasurer of the group. She is 41 and married. She has three daughters; all of them go to school. Dinara and her husband have been breeding cattle and cultivating fruits and vegetables for 16 years. In this way, they made some money to repair their house. Now Dinara needs a loan to purchase 150 liters of fuel which is needed for the sowing process.

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 P's 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 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 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
  • 28
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,864,850
    Funds lent in using Kiva
  • 45.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Umsunai's Group's $550 loan helped a member to purchase 150 liters of fuel which is needed for sowing.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 19, 2010
May 26, 2010
Currency Exchange Loss:
Dec 15, 2010