A loan of $1,175 helped a member to purchase covenience goods: sugar and crops.


Galina's Group's story

The members this group live in Tup, which is located on the shore of the beautiful, high-mountain lake, Issyk-Kul. Here is where the river Tup runs into the lake. The landscape and the environment have shaped the lifestyle of the local population. Inhabitants primarily work in animal husbandry.

Galina J. is the leader of the group. Galina is forty-one years old. Galina has raised four children. This year Galina's family is having a special event. Her oldest daughter, who is eighteen, is starting college. The other three sons go to school in the tenth, fifth, and third grades. Galina's husband runs the family farm. The children help their father to look after the cattle and to do daily chores around the house. Galina has found a niche in the sale of milk, eggs, and various dairy products. Daily, she delivers nine or ten liters of milk, along with eggs and sour cream, to a local shop. From these sales, Galina earns about two thousand som every month. Galina has applied for this loan to buy household food supplies. With the money she makes, she is unable to buy goods wholesale. Galina has calculated her potential savings and they are considerable. She is used to doing this, and she knows she needs to start saving now to put her three sons through college.

Galina's partners in the group include:

Jazy K. is fifty-six years old. Jazy has been a widow for several years. Jazy has two children who, during their summer holidays, help their mother at home. Jazy works as a nurse. Jazy needs a loan to buy five sheep.

Tumara J. is forty-two years old. She is the mother of five children. She and her husband work in agriculture. They have land and a small herd of cattle. Tumara has applied for a loan since she needs to buy a hundred liters of diesel.

Sandikul I. is forty-two years old. Sandikul is raising seven children. The eldest son is already in college. To support seven children, Sandikul has opened a shop, and her husband works at home. Sandikul hopes to borrow money to buy currants and sugar for making preserves.

Ulgeldi U. is fifty years old. She is divorced and is raising one daughter. Ulgeldi works in library and, additionally, owns some animals. Ulgeldi hopes get a loan to buy five head of sheep.

--- 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 3-Ps 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 who 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: http://www.kiva.org/about/aboutPartner?id=135

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 http://kiva.org/team/kyrgyzstan. Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and Mol Bulak staff.

In this group: Galina, Jazy, Tumara, Sandikul, Ulgeldi
*not pictured

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Translated from Russian by Kiva volunteer Melissa Kniazeva


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