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Kalamkas is 54 years old, a widow and is raising two children. She started her business of breeding livestock and reselling agricultural products in 1991. Kalamkas used a starting a capital of 9,000 som (KGS) to buy livestock and was able to develop her business to contain five heads of cattle and one horse. Thanks to her monthly profit of 7,500 som (KGS), she covers daily family expenses and saves money for her children's education. In order to further develop her business, Kalamkas requested a loan in the sum of 80,000 som (KGS) from the "Bai-Tushum and Partners" company to buy livestock for fattening up and resale. In the near future, with the help of earnings from the loan, Kalamkas plans to prepare livestock feed and hay for the winter.
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Каламкас 54 года, вдова и воспитывает двух детей. В 1991 году Каламкас начала свой бизнес в разведении скота и перепродаже сельхоз продукции. Каламкас использовала стартовую сумму в 9,000 сом (KGS) на покупку скота, и сумела развить свое хозяйство с численностью в 5 голов коров и 1 лошади. Благодаря ежемесячной прибыли в сумме 7,500 сом (KGS) Каламкас покрывает ежедневные расходы своей семьи и откладывает деньги на обучение для своих детей. В целях дальнейшего развития своего бизнеса, Каламкас обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS) на покупку скота для откорма и перепродажи. В ближайшее время, при помощи доходов от кредита, Каламкас планирует заготовить корма и сено для скота на зиму.

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
  • 54
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,897,275
    Funds lent in using Kiva
  • 44.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,800 helped Kalamkas to purchase livestock for fattening up and resale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 14, 2011
Oct 31, 2011
Currency Exchange Loss:
May 17, 2013