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Gavkhar is 50 years old, married and has three children. Her two older sons work, one as a waiter and the other one as a grocery truck driver, while the youngest daughter is still in school. To be able to support her family, Gavkhar is raising cattle and sells produce at the market. She has started her business with 15,000 som (KGS) which she used to purchase cattle and has now expanded her herd to four calves. Additionally, Gavkhar makes pasta for the lagman (a traditional Kyrgyz dish of roasted meat and pasta) which she sells to the local grocery stores. According to the recipe, pasta for lagman has to be made and stretched out completely by hand. Gavkhar's business yields 20,000 som (KGS) monthly in profits and this allows her to cover all daily expenses as well as save money for her daughter's education. In order to grow her business Gavkhar has turned to "Bai-Tushum and Partners" for a credit of 100,000 som (KGS) with which she plans to buy additional cattle for fattening and resale. Her family is planning to use the profits from the loan to purchase a car and open a taxi service in the near future.
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Гавхар 50 лет, замужем и имеет троих детей. Двое старших сыновей работают, один – официантом, другой – развозчиком продуктов питания, младшая дочь учится в школе. В поисках источника финансирования своей семьи, энергичная Гавхар начала свой бизнес в разведении скота и перепродаже сельхоз продукции. Гавхар использовала стартовую сумму в 15,000 сом (KGS) на покупку скота, и сумела развить свое хозяйство, имеющее на сегодняшний день четыре бычка. Также, Гавхар готовит у себя на дому лапшу для лагмана (национальное блюдо из зажаренного мяса и лапши), которая по рецепту должна быть сделана и растянута вручную и сдает ее на реализацию в продуктовые магазины. Благодаря ежемесячной прибыли в сумме около 20,000 сом (KGS) Гавхар покрывает ежедневные расходы своей семьи и откладывает деньги на обучение для младшей дочери. В целях дальнейшего развития своего бизнеса, Гавхар обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку скота для откорма и перепродажи. В ближайшее время, при помощи доходов от кредита, семья Гавхар планирует приобрести машину, чтобы предоставлять услуги такси.

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
  • $12,014,625
    Funds lent in using Kiva
  • 46.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,175 helped Gavkhar to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 26, 2011
Nov 14, 2011
Currency Exchange Loss:
Nov 17, 2013