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Shakar is 66, widowed and has three grown children. She worked for a long time as Director of the local school and is known as a very accurate and persistent person. In order to find an additional means of subsistence for her family, she started her business in gardening. She has been growing cherries, raspberries and apples. The earnings from selling her harvest allowed her to diversify her activities by engaging in breeding cattle. Today she has a farm with cattle, which still needs to be developed. For this reason, Shakar has applied for a loan of 100.000 KGS to purchase more cattle for fattening and reselling.

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
  • 56
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 44.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,250 helped Shakar to purchase cattle.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 19, 2011
Aug 2, 2011
Currency Exchange Loss:
Jul 15, 2012