A loan of $1,300 helped to broaden her assortment of goods.


Raya's story

Raya T. is a single mother of a ten-year-old girl. She was born into a large family of teachers and was always eager to study, but unfortunately, she couldn’t continue her studies because she needed to help her parents to earn a living. Raya started to sell garden stuff at the local market and opened a sales location there. In 1998, in order to find a better place to live, she moved to Belovodskoe village where she continued her business in sales. Raya decided to sell ware and detergents and, owing to her wide experience in this activity, achieved success. With the revenues, she was able to buy a flat which was reconstructed as a grocery store. She bought goods and resold them by herself, without any help. Her shop became known for the good quality of the products and attentive customer service.

Now Raya wants to take a loan of 60,000 KGS to broaden the assortment of goods in her shop. It will allow her to raise floating capital and increase her number of customers. Raya believes that her optimistic spirit and perseverance in her business will help her to improve her family’s lives.


About Bai-Tushum and Partners

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.



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Loan details