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Anara M. is 46, widowed and has three children. She was born in a large family of farmers and from childhood helped her parents in household tasks. After graduating from Medical College, she worked as a nurse at the local hospital. Unfortunately, wages of medical personnel are too low to cover all household expenses so, in order to find an additional means of subsistence, Anara decided to begin cattle breeding and land cultivating. She started these activities with an initial capital of 5,000 KGS and managed to earn about 8,000 KGS in a month. Today Anara’s farm consists of two milk cows, three bull calves and ten sheep. With the revenues, she managed to give a good education to her children. Now Anara wants a loan of 100,000 KGS to purchase more milk cows and sheep which will allow her to increase her sales of milk and meat products.

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

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
  • 64
    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 $2,125 helped Anara to purchase cattle.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Feb 11, 2011
Mar 10, 2011
Currency Exchange Loss:
Jul 15, 2012