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Urmat M. is a 62-year-old villager who lives in Kamishanovka village. She is married with seven adult children. The youngest son is serving in the army.

To make a living, Urmat is occupied with cattle breeding. In the beginning, when she milked cows and sold the milk to her customers, she earned about 210 Kyrgyz Soms daily; today, this sum is nearly equal to 400 Kyrgyz Soms a day. Also, she deals in fattening up of bull-calves. She has been engaged in her business for 30 years and earns approximately 7,000 Kyrgyz Soms a month for these activities. Her main helper is her husband who supports her and maintains the farm.

Urmat is a very energetic and optimistic woman. In spite of finishing only secondary school, she has been able to make her business successful. Now Urmat is requesting a loan of 60,000 Kyrgyz Soms to buy one milk cow and two bull-calves. That allows her further development of her household and business.

In the future, Urmat plans to make good living conditions for her 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
  • 80
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 46.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Urmat to purchase cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 29, 2010
Aug 13, 2010
Currency Exchange Loss:
Jan 15, 2012