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Irina T. is 56, married and has five children. She has been working as a teacher of the Kyrgyz language and literature at the school of Kyzyl-Ozgorush village for the last 32 years. She is known as a very persistent and responsible person. Unfortunately, wages of teachers are low and do not cover their household expenses. That’s why, in 1999, Irina started her business breeding cattle. She worked hard and today has a farm with one horse, ten cows and five bulls. In 2009, she took her first loan from Bai Tushum. It was repaid in full and without any delays. Now Irina plans to use this loan of 80.000 KGS to purchase milk cows, which will allow her to increase the number of her cattle. With the revenues, she wants to buy a plot of land to construct 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 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
  • 36
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,530,050
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,725 helped Irina to purchase milk cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 28, 2011
May 1, 2011
Currency Exchange Loss:
Apr 17, 2013