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Sharapiya M. is the single mother of three daughters. She was the victim of domestic violence, however her life became stable after divorcing her husband. In 2005, in order to find means of subsistence for her children, Sharapiya started a cattle breeding business, and bought bull calves for fattening and reselling. She worked hard and managed to maintain and develop the farm and renovate her house. Also, Sharapiya is fond of cultivating flowers and made her hobby a small source of income. Now Sharapiya wants to use this loan of 60,000 KGS to buy more bull calves and forage for her cattle. With the revenue from this loan, she plans to pay for the education of her daughters. Sharapiya is full of energy and ready for the many achievements coming her way.

Bai-Tushum and Partners use Kiva funding to target especially vulnerable population in Kyrgystan. 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
  • 67
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 46.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Sharapiya to purchase cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 30, 2010
Oct 19, 2010
Currency Exchange Loss:
Jan 15, 2012