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Marziya is 49 years old. She works as a Kyrgyz language and literature teacher at a school in the town of Isfana. Due to the fact teachers' salaries are low and to find an additional source of income, she decided to start her own business of selling children's and teenage clothing at a local market in 2010. She leased a container (retail space) and opens it every day during the second half of the day, thus, combining her business with her primary job. Marziya's good selection of merchandise, friendly service and practical advice with clothing choice attract more and more customers. In order to further grow her business, Marziya requested a loan in the sum of 70,000 som (KGS) from the "Bai-Tushum and Partners" company to expand merchandise assortment by purchasing winter seasonal merchandise. She plans to direct the profits from this loan to continued business expansion.
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Марзие 49 лет. Она работает учителем кыргызского языка и литературы в школе города Исфана. В связи с тем, что заработная плата учителей низкая, в 2010 году, в поисках дополнительного источника дохода, Марзия начала заниматься торговлей детской и подростковой одеждой на местном рынке. Она арендовала контейнер (торговое место) и открывает его каждый день во второй половине дня, совмещая бизнес с основной работой. Хороший ассортимент товара Марзии, приветливое обслуживание, практичные советы при подборе одежды привлекают все больше и больше клиентов. Для дальнейшего развития своего бизнеса, Марзия обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) на расширение ассортимента товаров за счет закупа одежды зимнего периода. Доходы от кредита Марзия планирует направить на дальнейшее расширение бизнеса.

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
  • 62
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 46.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Marziya to broaden an assortment of goods.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 18, 2011
Nov 29, 2011
Currency Exchange Loss:
Jun 17, 2013