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Chinikul K., a 57-year-old pensioner, lives in At-Bashy village in the mountainous area of Kyrgyzstan. She is married and has six grown children, five of whom live on their own, while the youngest son, in accordance with Kyrgyz national tradition, lives with her and helps with the household. Chinikul and her husband Beyshenaly have been married for over 40 years and support each other.

Chinikul has been engaged in cattle breeding most of her life, and her experience and hardworking personality have enabled her to maintain a successful farm and enlarge her number of cattle. Today she has eight horses and eight cows and sheep which were obtained with her first loan, which was repaid without any delays. She plans to use this loan of 100,000 KGS to broaden her number of cattle for fattening and reselling. In the future, Chinikul plans to renovate her house and hold her son’s wedding.

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
  • 35
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,533,825
    Funds lent in using Kiva
  • 46.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,175 helped Chinikul to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 23, 2010
Oct 13, 2010
Currency Exchange Loss:
Oct 15, 2012