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Bekkul A. was born into a family of farm workers, where cattle-breeding was passed on from one generation to another. From early childhood, he helped his parents in farming and animal breeding. After graduating from secondary school and serving in the army, he returned home and got a job at a local farm.

Later, after marrying and becoming a father of three children, Bekkul decided to start his own business in cattle breeding. Using his starting capital of 3,000 Kyrgyz Soms, he bought one milk cow and, owing to a persistent and hardworking personality, managed to multiply his investments. Presently, his farm has 3 milk cows, 20 sheep and 2 bulls. Last year, Bekkul applied for a loan to buy cattle and repaid it without any delays.

Bekkul plans to use this loan of 65,000 Kyrgyz Soms to increase his number of cattle for fattening and reselling, and in the future he plans to buy a car for his elder son and hold his wedding.

Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population. Bai-Tushum and Partners is one of the leading Microfinance Institutions in Kyrgyzstan. As a reliable financial partner, Bai-Tushum contributes to the economic development of the Kyrgyz Republic through the delivery of microfinance services in rural and urban areas that lead to increased employment and meet the interests of its clients and investors.

Additional Information

About Bai Tushum Bank CJSC

Bai Tushum Bank CJSC is a microfinance bank in Kyrgyzstan offering clients a range of products including loans for business development, trade, production, leasing, mortgage, consumption and more. Its portfolio is mostly comprised of group loans that cater to the broadest population of clients. Kiva lenders’ funds help the bank expand its services in remote areas to impact even more vulnerable communities in Kyrgyzstan.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 37
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,538,475
    Funds lent in using Kiva
  • 46.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Bekkul to purchase cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 30, 2010
Aug 6, 2010
Currency Exchange Loss:
Jan 15, 2012