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Zarina is 26 years old, married and is raising two children. She was born in the Panfilovskoye village, in a simple family of a farmer with five children. Since childhood, she has been helping her mother with taking care of the house and the younger children. Zarina was accepted into the Architectural University in 2002, where she studied for five years, and in 2007, Zarina returned to her parents in her native village. In 2008, Zarina got married at the age of 23. Her first daughter was born a year after that, in 2009, and then another daughter one year later. In search of a source of income for her family, Zarina and her husband decided to purchase a retail space in the Kainda village in 2010. Having invested an initial capital, the young family bought out the retail space and purchased a new inventory of merchandise. At the present time, thanks to Zarina's love of hard work and persistence, her store yields about 12,000 som (KGS) per month. In order to further develop her business, Zarina requested a loan in the sum of 100,000 som (KGS) from the "Bai-Tushum and Partners" company to expand the assortment of merchandise. She plans to invest the profits into refilling her merchandise inventories and updating her retail equipment.
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Зарине 26 лет, замужем и воспитывает двоих детей.
Зарина родилась в селе Панфиловское, в простой семье фермера с 5-ю детьми. С детства она помогала матери по уходу за домом и младшими детьми. В 2002 году Зарина поступила в Архитектурный университет, где проучилась 5 лет и в 2007 году Зарина вернулась в родное село к своим родителям.
В 2008 году в возрасте 23 лет, Зарина вышла замуж. Год спустя, в 2009 году у них родилась первая дочь, а через год еще одна.
В поиске источника дохода для своей семьи, в 2010 году Зарина с мужем решают приобрести торговый павильон в поселке Каинда. Вложив начальный капитал, молодая семья выкупила торговое место и закупила первую партию товара.
В данное время, благодаря трудолюбию и упорству Зарины, ее магазин приносит около 12,000 сом (KGS) в месяц. В целях дальнейшего развития своего бизнеса, Зарина обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на расширение ассортимента товаров. Доходы она планирует вложить в пополнение товарных запасов и обновление торгового оборудования.

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
  • 58
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,887,550
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Zarina to broaden an assortment of goods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 18, 2011
Dec 13, 2011
Currency Exchange Loss:
Jul 15, 2012