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Azel is 38 years old, married and raising four children, of which the youngest one is five months. In the search of a source of funding, Azel started her business in animal husbandry, using an amount of 30,000 som (KGS) for this purpose.

Thanks to Azel's hard work, the farm currently has two dairy cows, one calf and one horse, which earns her 3,000 som (KGS) per month from the sale of milk. Azel also sews national products, in demand among the local population, which allows for a small income for the family budget.

For the further development of her business, Azel turned to the organization "Bai Tushum & Partners" for a loan in the amount of 120,000 som (KGS) for the purchase of dairy cows. Azel plans to invest part of the income from the loan in sowing beans and potatoes, and in the future save money to pay for her son's education.
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Азел- 38 лет, замужем и воспитывает четырех детей, младшей из которых семь месяцев. В поисках источника финансирования, Азел начала свой бизнес в животноводстве, использовав для этой цели сумму в 30,000 сом (KGS). Благодаря упорному труду Азел, на сегодня в ее хозяйстве имеется две дойные коровы, один теленок, одна лошадь, что позволяет получать в месяц около 3,000 сом от продажи молока. Также , Азел занимается пошивом национальных изделий, пользующихся спросом среди местного населения, что позволяет иметь небольшой доход в бюджет семьи. Для дальнейшего развития своего бизнеса, Азел обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 120,000 сом (KGS) на покупку дойных коров. Часть доходов от кредита Азел планирует вложить в посев фасоли и картофеля, а в будущем – накопить денег на оплату обучения сына.

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
  • 36
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,530,050
    Funds lent in using Kiva
  • 46.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,575 helped Azel to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 9, 2011
Dec 23, 2011
Currency Exchange Loss:
Jan 18, 2014