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Gulbarchyn S. is 27, married, and has three children. In her local area she is known as a very positive, hard-working and persistent person. She has been engaged in farming since 2002 and her husband helps in all activities. Gulbarchyn cultivates beans and corn which allows her earn about 200,000 KGS in a year. With the revenues they were able to build a house and cultivate a personal plot of land near it.

Gulbarchyn has applied for a loan of 40,000 KGS for purchasing mineral fertilizers to manure land. This will allow her to get a good harvest and raise the quality of her products.

About Bai-Tushum:

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,013,000
    Funds lent in using Kiva
  • 47.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Gulbarchyn to purchase fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 28, 2011
Mar 17, 2011
Currency Exchange Loss:
Mar 15, 2012