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Umut's Group
In this Group: Umut , Mairamkul , Elmira , Asel
Umut I. is the leader of the group. She is 47 and married. She has two sons and two daughters. The first son works in Bishkek. The second helps his dad with farming and the daughters are students. Six years ago with the initial investment of 5000 soms Umut and her husband started to breed livestock. With money received from the loan she wants to purchase farm animals for breeding. In the future she plans to celebrate her son’s wedding.

Mairamkul E. is the treasurer of the group. She is 21. She works in a sewing workshop. Mairmakul also breeds farm animals. With money received from the loan she wants to purchase livestock for breeding.

Elmira B., 40, is married. She has three sons and a daughter. Her husband works as a herdsman. The first son helps his dad and the other children study at school. Elmira breeds livestock. She hopes to obtain the loan because she needs money to purchase some farm animals for breeding.

Asel B., 27, is married. She has two daughters, both of them are preschool age (under seven). Asel is engaged in livestock breeding and her husband works in construction. With money received from the loan Asel wants to purchase livestock for breeding.

--- Where Did This Loan Come From? ---

This loan is brought to you by Mol Bulak Finance (MBF), a young, ambitious and socially-focused Microfinance Institution in Kyrgyzstan.
MBF is strongly committed to the principles of sustainable development and upholds the triple bottom line – People (building human capital and taking care of its customers as well as society), Planet (keeping environmentally friendly) and Profit (earning revenue to expand autonomously). MBF is the only Microfinance Institute in Kyrgyzstan that delivers its services to customers 365 days a year. To learn more about MBF and view a Video presentation about the organization, please visit:
If you would like to support and learn more about Kyrgyzstan and microfinance in Central Asia, please join our Lending Team - Supporters of Kyrgyzstan – Mol Bulak Finance at Members will get special updates and news from Kiva Fellows in Kyrgyzstan and from the MBF staff.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,013,000
    Funds lent in using Kiva
  • 46.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Umut's Group's $750 loan helped a member to purchase farm animals.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 14, 2010
Oct 10, 2010
Currency Exchange Loss:
Mar 15, 2011