A loan of $2,575 helped to purchase cattle.

Bermet's story

Bermet O. is a 53-year-old farmer with four children. Her family has been engaged in cattle breeding for the past 20 years, which is the means of subsistence for them. Bermet started this activity with initial capital of only 4,000 soms (KGS) and worked hard to achieve success. Due to her persistent and hardworking personality, Bermet managed to buy a truck which is now used for transportation. Today, she has two milk cows and one bull calf and plans to enlarge the number of her cattle.

For this very reason, Bermet has applied for a loan of 120,000 KGS to broaden her business by purchasing two milk cows and two bull calves. With the revenue from this investment, she plans to broaden her business. All members of Bermet’s united family are doing their best to make the future prosperous and stable.


Bai-Tushum and Partners uses Kiva funding to target an 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.

Loan details

Lenders and lending teams

Loan details