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Ibagdathan S. is a 54 year-old villager who lives in Masy village, in the south of Kyrgyzstan. She is married and has one daughter. She graduated from the Andizhan cotton institute and has devoted 35 years of her life to cotton cultivating.

Her responsible and precise attitude to this activity allowed Ibagdathan to achieve success and broaden her business by purchasing livestock. Currently she breeds twelve cows and earns about 15,000 Kyrgyz Soms a month.

Ibagdathan is a reliable Bai-Tushum borrower who repaid her loans without any delay and used them as intended. Now Ibagdathan needs to manure the land to get a good harvest next year. That is why she is applying for a loan of 100,000 Kyrgyz Soms to purchase fertilizers and to plant the seeds.

With the revenues from the business, she plans to build a house for her family. Ibagdathan is a real go-getter and makes every effort to improve her family’s life.

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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,013,000
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Ibagdathan to purchase fertilizers.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 2, 2010
Nov 3, 2010
Currency Exchange Loss:
Nov 15, 2011