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Molek N. is 53 years old. She is widow and has three sons, two of whom help her in the household. Molek was the fourth child in a large, low-income family. Because she had to help her mother in the household from early childhood, Molek left secondary school after the 7th grade and started to work as a dairymaid.

When Molek got married, she gave a birth to her beloved children. In 2003, her family met a hard blow – her husband died and Molek became the only bread-winner for the family. She decided to start her business in cattle breeding, since she had been engaged in cattle breeding for a long time and had a wide experience in this activity. She worked hard and managed to develop her farm: today she has three milk cows, one bull, one horse and twenty-two sheep. Her sons help her in pasturing and maintaining her livestock.

In 2009, Molek obtained her first loan from Bai Tushum and Partners and repaid it without any delays. Now, she is applying for a loan of 60,000 KGS to buy two more milk cows in order to increase her milk sales. Molek is a very positive person so she believes that her strong efforts will help to improve her family’s standard of living.

About Bai-Tushum and Partners:
Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable members of the population. It is one of the leading microfinance institutions in Kyrgyzstan. As a reliable financial partner, it 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
  • 58
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 46.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Molek to purchase two more milk cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 28, 2010
Sep 22, 2010
Currency Exchange Loss:
Sep 15, 2011