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Karamat is 64 years old, a widow and has two grown children. She started her animal husbandry and farming business in 1995 and obtained her first loan in the sum of 60,000 som from the "Bai-Tushum and Partners" company to increase livestock quantity in 2010. The loan was used as directed and repaid without any delays, which speaks of Karamat's diligence and persistence. Today, Karamat has 10 sheep and 3 cows with calves. She also grows potatoes, carrots, corn and sunflowers and sells the harvest at local markets. In order to further develop her business, Karamat requested another loan from the "Bai-Tushum and Partners" company in the sum of 100,000 som (KGS) for the purchase of bulls and feed for them.
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Карамат 64 года, вдова и имеет двух взрослых сыновей. Карамат начала свой бизнес в животноводстве и полеводстве в 1995 году и в 2010 году взяла свой первый кредит в компании «Бай – Тушум и Партнеры» в сумме 60,000 сом на увеличение поголовья скота. Кредит был использован по назначению и выплачен без просрочек, что говорит об исполнительности и упорстве Карамат. На сегодняшний день в хозяйстве Карамат насчитывается 10 баранов и 3 коровы с теленком. Также она выращивает картошку, морковь, кукурузу и подсолнечник, урожай Карамат продает на местных рынках. В целях дальнейшего развития своего бизнеса, Карамат повторно обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку бычков и корма для них.

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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,013,000
    Funds lent in using Kiva
  • 45.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,225 helped Karamat to purchase cattle and livestock feed.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 26, 2011
Sep 15, 2011
Currency Exchange Loss:
Sep 17, 2013