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Aynur M. is married and has three children. She was born into a large family of farmers and from early childhood was the main helper in the household for them. She graduated from medical college and worked as a nurse in a hospital. In 1985, she got married and soon became the mother of two daughters. Her husband worked as a bus driver but his wage was too low to cover all the expenses of the family.

In order to find an additional means of subsistence, Aynur decided to start up a business selling fabrics at the local market. Her responsible and accurate attitude toward this activity allowed her to put aside some savings and purchase a house for the family.

In 2000, Aynur gave birth to her son, which became one of the happiest moments in her life. Her strong will to give children all they need, led Aynur to broaden her business and obtain her first loan from Bai Tushum ad Partners. With the revenues from this loan, she was able to renovate her house and buy a car for her elder daughter.

Now, Aynur is applying for a loan of 125,000 Kyrgyz Soms to widen her assortment of goods. With the revenue, she plans to open a small shop with different kinds of fabrics for all seasons.

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 $2,675 helped Aynur to broaden her assortment of goods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 29, 2010
Nov 17, 2010
Currency Exchange Loss:
Nov 15, 2011