A loan helped to buy dairy cows to increase her sales of milk to a local factory.


Elmira's story

Elmira is 60 years old, married, and has 3 children. She has a higher education. She has worked in animal husbandry and field farming since 1990 as the main source of income for her family. Thanks to her hard work, her farm currently has 5 cows, 44 sheep, and 5 horses.

She has a contract for the supply of organic milk to a local factory for further processing into dairy products. This allows her to continuously invest in her agricultural business. After learning that at Bai Tushum Bank she can get a loan secured by a contract for future delivery in the framework of the product value chain, she applied for a loan of 120,000 KGS. It is for the purchase of dairy cows in order to increase her volume of milk sales.

Payments for milk from the factory will be directly transferred to Elmira's bank account, and loan payments will be automatically deducted. The income from the loan will help to further develop the farm

Translated from Russian by Kiva volunteer Lizet Pantaleon.


This loan is special because:

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



Loan details


Lenders and lending teams




Loan details