A loan of $2,925 helped to purchase goods for resale.


Molmol's story

Molmol T. lives in Osh city, south of Kyrgyzstan. She is 46, married, and has three children. Molmol graduated from medical college as a nurse and devoted 15 years of practical experience to helping her patients to overcome their diseases.

In 1995, when Molmol was expecting a baby, her husband lost his job. Those times became a period of living in the pinch of poverty for her family. But Molmol didn’t give up and decided to start her own business reselling linens, fabrics and tablecloths, using her initial capital of 10,000 KGS.

In spite of many the highs and lows in her activity, Molmol managed to broaden her business by purchasing two small shops and achieved success. These activities led her to obtain loans from “Bai Tushum and Partners”, which were repaid without any delays. Molmol’s husband, who was infected by her enthusiasm, became the main helper and strong supporter in the business.

But in June 2010, when violent clashes caused by deposed the political regime broke out in Osh, Molmol lost her business. Her shops were robbed and looted. However, Molmol is ready to resume her lost business and continue to work. For this reason, Molmol is applying for a loan of 135,000 KGS, which she needs to restart her activity. She plans to purchase home products for resale at the local market. With the revenue from this loan, Molmol plans to give a good education to her daughter, because she believes that educated youth can move their motherland forward.

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.



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