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Kuljamal Z. lives in Kok-Tokoy village in the northern region of Kyrgyzstan. She is 42 years old, married, and has three children. After graduating from medical college in the capital city, she worked in the local hospital. Her open-hearted personality and attentive attitude to patients helped her to acquire an excellent reputation as a medic. As salaries in rural areas are low, people need to find an additional means to lift themselves from the poverty level. For this reason, Kuljamal and her family started their own business in cattle breeding. At present, the farm has 13 sheep and one milch cow. Kuljamal is also engaged in cultivating apples, pears, raspberries, and currants, all of which were planted 15 years ago. Today her family works hard to get a good harvest. These activities allowed Kuljamal to improve her household, but she still needs a loan of 60,000 KGS to buy 10 sheep and one colt. Revenues from this loan will allow Kuljamal to send her children to the capital city of Bishkek in order to get a good education.

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 leading to increased employment and meeting the needs 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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,011,950
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Kuljamal to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 16, 2010
Sep 7, 2010
Currency Exchange Loss:
Sep 15, 2012