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Kimbat P. is a single mother of two daughters. She graduated from Trade college and worked as an accountant for four years. As it was very hard to bring up the children by herself on a low wage, Kimbat decided to start her own business in trade.

Starting in 2007, she managed to broaden her business by renting a small shop and achieving success. Her loyal customers were attracted by her careful attitude and cheerfulness.

But in June 2010, violent clashes caused by the deposed political regime broke out in the city of Osh. Kimbat lost her business, which was burned to ashes.

Kimbat doesn’t give up, however, and she is ready to resume her lost business and to continue to work. That is why Kimbat is applying for a loan of 100,000 KGS, which she needs to restart her activity. She plans to rent a selling point at the local market to sell womens clothing.

Kimbat is a very optimistic person who believes that giving a small chance to another person can inspire them for a great future.

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
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Kimbat to purchase clothing for retail.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Sep 30, 2010
Sep 11, 2010
Currency Exchange Loss:
Mar 15, 2012