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Zamira, 38, is a resident of Tup. She is married and has three children; the youngest is seven. Zamira’s husband drives a cab in order to make a living, while she runs a small dairy business and an apparel stall. Every morning the livestock yields up to 15 liters of milk, which she sells for 8 soms per liter. After finishing this, later in the morning, she heads to a local bazaar to start retailing clothing.

In 2005 Zamira used to retail food products, however due to low results, she switched to retailing clothing. Thanks to these financial inflows, the family budget can cover tuition payment for Zarina’s older son and provide the entire family with basic needs. Her initial investment was 12,000 soms, and currently the business is generating 3,000 soms per month. Zamira addressed Kiva lenders for financial assistance, because she needs to stock her small shop with summer clothing and school uniforms for the upcoming start of the academic year. She is thankful to all lenders who make such a big contribution to the development of her business.

--- 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.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 44.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,275 helped Zamira to purchase summer clothing and school uniforms.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 29, 2011
Aug 13, 2011
Currency Exchange Loss:
Sep 15, 2012