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Karamatkan M. was born in the south of Kyrgyzstan. She was one of the eight children in a large family of workers. After finishing school, she couldn’t continue her studies because of the limited family income and had to help her parents in rice growing and cattle breeding. She got married to a farmworker and has been in a happy marriage for 27 years. Her husband works as a welder. Karamatkan is the mother of eight children. Her four daughters help her with milking cows at the farm and sons are help their father with welding. Today all Karamatkan’s family lives in Kara-Balta town, where they moved in 2000.

In 2001, as a means of income, she decided to begin her business of cattle breeding. Due to her vast experience in this activity, Karamatkan managed to maintain the farm with three milk cows and one bull. Now Karamatkan is applying for a loan of 60,000 Kyrgyz Soms to buy additional cattle. With the revenues, she plans to broaden her business by purchasing more livestock. As for the future, Karamatkan dreams of building a big house, where she could hold her sons' weddings and look after her future grandchildren.

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 needs 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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Karamatkan to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 22, 2010
Dec 9, 2010
Currency Exchange Loss:
Dec 15, 2011