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Gulmira C. is 38-year-old mother of four children. She is a teacher of the English language in a school in Naryn town, and her husband is engaged in transportation services. Unfortunately, the salaries of teachers are very low and her husband's earnings don't cover their family's needs.

In order to find an additional source of income, they decided in 2000 to engage in cattle breeding with an initial capital of 15,000 KGS. Gulmira and her husband work hard, and they have managed to develop their farm and expand their herd with a monthly income of about about $170.

Gulmira plans to use this loan of 50,000 KGS to further expand her herd for fattening and resale. In the future, she plans to reconstruct her house.

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
  • 68
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Gulmira to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 14, 2011
Feb 4, 2011
Currency Exchange Loss:
Feb 15, 2012