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Torkun N. is 46, married and has 6 children. She worked as a cashier for a long time and is characterized by her colleagues as a very hardworking and responsible person. After the breakdown of the Soviet Union, she started her business in breeding cattle and land cultivating. With an initial capital of 3,000 KGS, she managed to develop a farm with two milk cows, two horses and sixty sheep. Today she earns about 8,000 KGS per month from selling milk and meat products. Torkun also has a fruit garden with apples, pears, raspberries and currants, which provides additional earnings for her family.

Now Torkun has applied for a loan of 130,000 KGS to purchase two mares, which will allow her to multiply her cattle and broaden her business. In the future, she wants to build a house for her son.

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
  • 52
    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 loan of $2,750 helped Torkun to purchase cattle.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Feb 23, 2011
Apr 1, 2011
Currency Exchange Loss:
Feb 15, 2013