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Zaryl K. is 51 years old. She lives in Kochkor village in the north of Kyrgyzstan and has four grown children. Zaryl graduated from college and worked as a cook in the local area for 20 years. She is characterized by her colleagues as a responsible, precise and open-hearted person. Now she is engaged in cattle breeding and makes every effort to provide some savings for old age.

Zaryl used her starting capital of 2,000 KGS to buy livestock for fattening and reselling. Thanks to her persistent and hard-working personality, she managed to enlarge the number of livestock and earns about 3,000 KGS monthly. With the revenues from livestock reselling, Zaryl was able to build up a barn.

Zaryl plans to use this loan of 130,000 KGS to buy six bull calves. With the revenues from the loan, she plans to broaden out her business.

Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population. Bai-Tushum and Partners is one of the leading Micro-finance Institutions in Kyrgyzstan. As a reliable financial partner, Bai-Tushum contributes to the economic development of the Kyrgyz Republic through the delivery of micro-finance 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
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,775 helped Zaryl to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 30, 2010
Dec 6, 2010
Currency Exchange Loss:
Dec 15, 2012