A loan of $1,300 helps to buy dairy cows to increase her milk sales to a local factory.


Nagima's story

Nagima is 34 years old and married. She has a secondary-level education. She has been raising livestock and growing crops since 2005, and this is her family's primary source of income. Thanks to her hard work, she now has 3 cows, 20 sheep and a 2.45-hectare plot of land where she grows beans.

Nagima has a contract to supply a local factory with organic milk for use in dairy products. This allows her to constantly reinvest in her farming business. When she found out that Bai Tushum Bank offer a product called a 'Value Added Chain', which would allow her to take out a loan against future milk sales, Nagima decided to apply for a loan of 110,000 som. She will use the money to buy dairy cows to increase her future milk sales. The milk payments from the factory will go directly into her bank account, and the loan repayments will be automatically deducted. The profit from the loan will help Nagima to further develop her business.

Translated from Russian by Kiva volunteer Robin Munby.


This loan is special because:

It allows farmers to increase production and income in a guaranteed value chain.

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.