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Nurgul K. is 36, married, and has four children. She was born in a low-income family of farmers. From her childhood, Nurgul was eager to study and after finishing the 9th grade, she continued her studies in medical college. After graduating, she got a job as a nurse in a local hospital. When Nurgul was 21, she was given in marriage and moved to her husband’s village, where she still lives with the husband’s elderly mother. At present, Nurgul also works as a nurse and is held in high respect by her fellow villagers.

In rural areas, where the salaries are low and often unstable, it’s very hard to live on low earnings. That’s why, in order to support her family and find an additional means of substance, Nurgul started her business in cattle breeding using an initial capital of 8,000 KGS. Owing to her persistent and hardworking personality, Nurgul achieved success and today her farm has five milch cows, five sheep, and two horses.

Nurgul plans to use this loan of 80,000 KGS to add to her cattle. With the revenues from the loan, she plans to give a good education to her children. Also, Nurgul dreams of buying a minivan for her family.

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
  • 86
    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 $1,725 helped Nurgul to purchase cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 17, 2010
Sep 6, 2010
Currency Exchange Loss:
Jun 16, 2011