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Haldardjan I., 60, lives with his family in Tashkiya village. He has three sons and one daughter, who was adopted from an orphanage by his family and became the light of their life. Haldardjan is known as a hard-working and energetic person.

Haldardjan was born into a low-income farm worker’s family and from early childhood helped his parents in farming. Gaining a wide experience in stockmanship, he started his cattle breeding business ten years ago and it became the main source of income for his family. Due to his strong efforts, he has developed his farm and today earns about 15,000 KGS a month through selling milk and meat products to his loyal customers.
Haldardjan plans to use the loan of 28,000 KGS to broaden his business through buying a bull-calf for fattening and reselling. With the revenues from the loan, he plans to give a good education to his daughter and hold his youngest son’s marriage. Haldardjan is doing his best to provide good conditions in which his children can develop.

Bai-Tushum and Partners, one of the leading microfinance institutions in Kyrgyzstan, uses Kiva funding to target the especially vulnerable population. 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.

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
  • 36
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,530,050
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Haldardjan to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 22, 2010
Feb 1, 2011
Currency Exchange Loss:
Dec 15, 2011