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Galina S. is very positive and energetic woman. She lives in Belovodskoe village, 54, married and has three grown children. She graduated from agricultural college and still works as a veterinarian. Her husband worked as a driver, but his wage was very low and didn’t cover all expenses.

In order to support the family and find an additional means of subsistence for her children, Galina decided to breed animals. In 1995, using her initial capital of 5,000 Kyrgyz Soms (KGS), she started to breed rabbits and pigs, which became a profitable activity. With the revenues, Galina was able to pay for education for her children and now her elder daughter works as a cheese maker at the dairy factory, the second daughter is seamstress, and the younger son is a student at technical college.

Her tireless personality and hardworking activities lead Galina to engage in poultry farming and today her farm has turkeys, ducks and chicken. This has allowed her to buy a sewing machine for her daughter. Now Galina plans to use this loan of 50,000 KGS to buy eight pigs and forage for her livestock. In future, Galina wants to see her son get married and is looking forward having grandchildren one day.

About Bai-Tushum
Bai-Tushum uses its funding from Kiva funding to target the especially vulnerable population. It 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
  • 58
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 46.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Galina to purchase livestock.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Sep 22, 2010
Oct 16, 2010
Currency Exchange Loss:
Jul 15, 2011