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Maria E. is a 66-year-old farmer. She is married and has five children. Her affectionate husband, Jasasyn, has been a tower of strength to her for almost 40 years. Cattle breeding is the only source of subsistence for this couple. They began this business in 1995, starting with the purchase of one milk cow. Today they have a small farm with milk cows and earn about 3,500 soms (KGS) monthly by selling milk.

Maria and her husband concentrate all their efforts on supporting and expanding their household. For this very reason, Maria wants to take a loan of 60,000 KGS to buy bull calves for fattening and reselling. With the revenue from this investment, she plans to develop her farm by means of livestock breeding. In the future, Maria dreams that her grandson will keep on with the farm and become an efficient farmer.

Bai-Tushum and Partners uses Kiva funding to target an 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
  • 65
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 46.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Maria to purchase cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 26, 2010
Sep 21, 2010
Currency Exchange Loss:
Feb 15, 2012