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Kulyara's Group
In this Group: Kulyara , Bazarbai, Maksat, Umut, Eliza
Kulyara U., 52, is the leader of this group. She lives in Karabalta in the northern part of the country, population 38,700. She has been happy to live there and raise her kids but several years ago a severe tragedy hit her family. She was left a widow with 6 children to feed. All these years she has relied on her dairy business to provide her kids with at least the basic needs. Now, her children are grown up and live on their own; the youngest one is 16.

Kulyara’s youngest son assists in processing milk and selling it wholesale in Bishkek market. In five years the number of dairy cows in her household has greatly increased. The business was started with initial capital of 2,000 soms and now the monthly returns reach twice that amount.

Kylyara wants to give a worthwhile education to her youngest son and plans to increase her savings. Kulyara, along with the other members of the group, is in strong need of financial assistance because she would like to invest more in her business and get higher returns.

--- 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
  • 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 portion of Kulyara's Group's $1,375 loan helped a member to purchase milk.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 1, 2011
Mar 26, 2011
Currency Exchange Loss:
Sep 15, 2011