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Sairagul Sharsheeva's Group
In this Group: Sairagul , Burulkan, Kalbubu, Chynarbubu
Collective farming, called “kolkhozy”, was first introduced in the republics of the Soviet Union. Several farmers joined together in farming activities such as agriculture, cattle breeding and dairy production. This was a strategy for boosting the country’s production. Unfortunately, “kolkhozy” failed after the collapse of the Soviet Union, leaving hundreds of thousands of peasants managing the land on their own.

Sairagul S., 43, is the leader of this group. In Soviet times she used to be a dairymaid in a local “kolkhoz”. Like many others, she was left helpless after the collapse of Soviet Union. Having no education, but excellent skills in cattle breeding, she decided to continue this occupation. Three years ago, Sairagul ventured into the resale of cattle, which proved successful. Nowadays she spends most of her time taking care of cattle, but she also works as a salesperson in a nearby market on weekdays. Sairagul earns 6,000 KGS per month, but she still is unable to purchase some sheep for resale. In order to accomplish this goal she has applied for a loan from Kiva. Sairagul would like to spend her business returns on finishing the construction of her house, which she started two years ago.

Where did this loan come from?

This loan is brought to you by Mol Bulak Finance, a young and ambitious socially-focused MFI in Kyrgyzstan. Mol Bulak Finance is strongly committed to the principles of sustainable development on the basis of the 3-Ps concept: People (building human capital and taking care of its customers and society as well), Profit (to be profitable in order to grow further), and the Planet (taking care of the environment). It is also the only MFI in Kyrgyzstan that delivers its services to customers 365 days a year. To learn more about Mol Bulak and view a video presentation about the organization, please visit:

If you would like to support and learn more about Kyrgyzstan and microfinance in Central Asia, please join our Lending Team – Supporters of Kyrgyzstan – at Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and from Mol Bulak staff.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 62
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Sairagul Sharsheeva's Group's $1,075 loan helped a member to purchase sheep.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 17, 2010
Jan 14, 2011
Currency Exchange Loss:
Jul 15, 2011