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Jiparkul S. was born in the north of Kyrgyzstan. She is 47 years old, married, and has three children: two sons and one daughter, who is an overachieving student. Her husband works as an electrician. After graduating from college, Jiparkul worked as an accountant at the local hospital. Her colleagues characterize her as a very diligent and responsible person.

Unfortunately, salaries in rural areas are very low and Jiparkul decided to produce and sell lepeshka (flat loaves of bread). But it was not a very profitable activity and additional earnings were required in order to support her family.

A few years ago, using starting capital of only 1,000 KGS, Jiparkul decided to start her business in cattle-breeding and bought sheep. She concentrated all her efforts on supporting and expanding her household. For this very reason, Jiparkul wants to take out a loan of 120,000 KGS to buy three bull-calves and 20 sheep for fattening and reselling. With the revenue from this investment, Jiparkul plans to give higher education to her children. In future, Jiparkul plans to develop her farm by means of livestock breeding.

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
  • 62
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 46.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,600 helped Jiparkul to purchase 3 bull-calves and 20 sheep.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 13, 2010
Aug 19, 2010
Currency Exchange Loss:
Sep 15, 2012