A loan helped to purchase dairy cows in order to increase her sales of milk to a local factory.


Guliza's story

Guliza is 50 years old, married, and has 2 children. She has a secondary education. She works in a hospital.

She has been engaged in animal husbandry and field cultivation since 2000. Thanks to hard work, today her farm has 4 cows, 80 sheep, as well as a land share of 6.92 hectares on which she grows beans.

She has a contract for the supply of organic milk to a local plant for further processing into dairy products. This allows her to continuously invest in her agricultural business.

Having learned that at Bai Tushum Bank she can get a loan secured by a contract for future supply as part of the “Value chain” product, she applied for a loan in the amount of 200,000 KGS to purchase dairy cows in order to increase volumes of milk sales.

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

Translator profile picture

Translated from Russian by Kiva volunteer Olga Kachook.


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