A loan of $2,850 helps to lay the foundations of her new house.


Makhabat's story

Makhabat is 33 years old and married with two children. She has a higher education and has been working as a teacher at a local school for 11 years. She has a steady income, and she tries to invest the money she saves in improving her family's living conditions.

Makhabat has started building a house, but she doesn't have enough money for the materials she needs to lay the foundations. She has approached Bai Tushum Bank for a loan of 230,000 som to pay for them.

Translated from Russian by Kiva volunteer Robin Munby.


This loan is special because:

It helps low-income families improve their living conditions and reduce their energy consumption

Kendra Thorogood, Kiva staff

Kendra Thorogood
Kiva staff



Loan details


Lenders and lending teams






Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

Loan details



Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.