A loan of $2,875 helped to purchase calves and sheep.

Janyl's story

Janyl J. is 51, widowed, and has three children. She has been working as a doctor's assistant at the local hospital for the last thirty years and is known as a very open-hearted and responsible person. Unfortunately, salaries of medical personnel are low, so in order to find an additional means of subsistence for her family, she decided to start her land-cultivating and cattle-breeding business.

She has been engaged in this business since 2000 and has managed to develop a farm with two horses, seventeen sheep, three goats and one milk cow. In 2007, she obtained her first loan of 10,000 KGS and successfully repaid it without any delays.

Now Janyl has applied for a loan of 135,000 KGS to purchase calves and sheep. With the income, she plans to broaden her farm by purchasing a plot of land for constructing a barn for her cattle.

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.

Loan details

Lenders and lending teams

Loan details