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Ryskul's Group
In this Group: Ryskul , Tinatin, Nurgul, Mirgul
Ryskul T., 24, is the leader of this group. Ryskul lives in a town called Karabalta with her husband and two children ages 5 and 3. Ryskul started her business career at a very young age and by this time has reached impressive outcomes. The couple has been involved in cattle breeding since they started living together. But three years ago they decided to quit this business and start something new. After reviewing the best options, and their own skills, Ryskul and her husband opened a small café.

The first challenge in making a business plan was choosing the location. There were too many cafes in their hometown, so they looked for a less competitive environment. The perfect spot was the busiest route in the country, connecting two major centers, Bishkek and Osh. Every day thousands of passenger buses and cars take this route. There are picturesque views and sightseeing, but the passengers complain of having a lack of places to stop for lunch. Ryskul and her husband sold all of their cattle and invested the revenue in building a café. It has been three years, and Ryskul’s expectations turned into reality. Ryskul is the chief cook and her husband is the manager and a caterer of all necessary supplies. The family was able to buy new furniture for their house and an automobile. The profits from the business have reached 40,000 monthly, but along with it the inflation and transportation costs have increased the café’s expenses. Ryskul is requesting a loan in order to buy some inputs and raw materials for running the café. If everything goes well, Ryskul dreams of opening another small shop near her café.

--- Where Did This Loan Come From? ---

This loan is brought to you by Mol Bulak Finance (MBF), a young, ambitious and socially-focused Microfinance Institution in Kyrgyzstan.
MBF is strongly committed to the principles of sustainable development and upholds the triple bottom line – People (building human capital and taking care of its customers as well as society), Planet (keeping environmentally friendly) and Profit (earning revenue to expand autonomously). MBF is the only Microfinance Institute in Kyrgyzstan that delivers its services to customers 365 days a year. To learn more about MBF 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 – Mol Bulak Finance at Members will get special updates and news from Kiva Fellows in Kyrgyzstan and from the MBF 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
  • 80
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Ryskul's Group's $1,375 loan helped a member to purchase inputs and raw materials for her cafe.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 11, 2011
Mar 5, 2011
Currency Exchange Loss:
May 15, 2011