A loan of $2,250 helped to increase the variety of goods she offers.

Roza's story

Rose was born and raised in Kazakhstan. She is 52 years old and married with 3 children.

Rosa was born into an ordinary family. She was the eldest child; she had five brothers and sisters. Most of her time was devoted to household chores: looking after younger brothers and sisters, housework, and farm work. As a child, Rosa dreamed of becoming a police officer to protect the innocent and bring justice. After high school, Rose went to military school, then filed documents to apply for a higher education. After graduation, in Soviet times, fate sent Rosa to serve in neighboring Kyrgyzstan, where she met her future husband. Thus, in 1988, our heroine got married, and a year later the newlywed had a daughter. Since both husband and wife were in the military, life threw them from place to place in rented apartments.

While her husband served his country, the years passed and the family grew to five people. "We have not had time to look around, and it's time to retire," said Rosa. The couple had been saving for a house for fifteen years, and in 2008 they bought a house in the city center of Karabalta. With the 10,000 som they had left, Rosa decided to buy some products and try to resell them. The first batch went well. Rosa realized that she was able to work in trade and selling in the market. For three years, Rosa has increased her turnover to 60,000 som and was able to pay for tuition at the university for her eldest daughter. To further increase sales and expand the variety of goods she sells, Rose turned to the company Bai - Tushum and Partners for a loan of 100,000 som (KGS). She wants to use proceeds from this money to open more shops.

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.

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Translated from Russian by Kiva volunteer Melissa Kniazeva

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