A loan helped to buy dairy cows in order to increase the volume of milk she can sell.


Guliza's story

This wonderful woman is Guliza. She is 41 and married with grown children. She has a high school education and is a responsive and kindhearted person. She has been working in animal husbandry and agriculture since 2007 as the primary source of income for her family. Thanks to her hard work and help from her husband, she currently has three cows, five sheep and two horses on her farm as well as 1.8 hectares of irrigated land where she grows organic beans. She also has a contract to provide organic milk to a local factory for further processing into dairy products. This allows her to constantly invest in her agricultural business.

Having found out that she could receive a loan for future repayment from Bai Tushum Bank within the framework of their "chain of added value" product, she approached them for a loan of 100,000 KGS to buy dairy cows to increase her volume of milk sales. Payments for the milk from the factory will be directly deposited into her bank account, and loan payments automatically debited. Income from the loan will help her develop her farm and build a house.

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Translated from Russian by Kiva volunteer Kat Tancock.


This loan is special because:

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



Loan details


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Loan details