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Jipargul was born in southern Kyrgyzstan, in a simple farmer's family, and from an early age she started helping her parents on the farm. Jipargul got married at the age of 19, and gave birth to two daughters and a son in 1989, 1990 and 1993. In 1994, in search of a source of income for her family, she began to resell rice at the market in Osh (southern Kyrgyzstan). After two years, she had gathered enough money by reselling rice, and she moved with her family to the capital, Bishkek. There, she worked as a shoe reseller at a local market. Launching her business with an initial amount of 35,000 som (KGS), she became a successful entrepreneur who had regular customers. In 2000, after giving birth to her youngest son, Jipargul took a loan to expand her business and started to import shoes from China, using wholesale buyers from neighboring Kazakhstan as business partners. With the revenues generated from this business, Jipargul was able to buy a house for her family. Unfortunately, her business collapsed on the day when her partners disappeared with a shipment of merchandise, leaving her with huge debts. Jipargul had to sell her property in Bishkek and in 2010 she moved to the village of Voznesenovka. Her husband, being her main support in life, always helped and supported his wife during the family's difficult times. He started to work in animal husbandry, turning his activity into a family business and encouraged Jipargul to join him. Thanks to the perseverance and tenacity of Jipargul's family, their farming business now comprises two dairy cows and a bull and brings about 10,000 som (KGS) per month through the sale of dairy and meat products. In order to further develop her business, Jipargul has turned to "Bai Tushum and Partners" for a loan in the amount of
100,000 som (KGS) which will be used to buy additional livestock. Jipargul and her husband now have one dream: to use future revenues to build a good house and to further increase their number of farm animals.
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Жыпаргул родилась на юге Кыргызстана, в простой семье фермера и с детства помогала родителям по хозяйству. Жыпаргул вышла замуж в 19 лет и в 1989, 1990 и 1993 годах родила двух дочерей и сына. В 1994 года, в поисках источника дохода для своей семьи, Жыпаргул начала перепродавать рис на рынке г. Ош (юг страны).Через 2 года, она накопила денег за счет перепродажи риса, и переехала со своей семьей в столицу Бишкек, где начала перепродавать обувь на местном рынке. Начав свой бизнес с суммы 35,000 сом (KGS), она смогла стать успешным предпринимателем со своими постоянными клиентами. В 2000 году Жыпаргул, родив младшего сына, взяла кредит на развитие бизнеса и стала сама возить обувь из Китая, найдя в качестве партнеров – оптовых покупателей из соседнего Казахстана. Доходы позволили Жыпаргул купить дом для семьи. К сожалению, бизнес Жыпаргул рухнул в тот день, когда ее партнеры, взяв партию товара под реализацию, скрылись, оставив ее в огромных долгах. Жыпаргул пришлось продать недвижимость в г.Бишкек и в 2010 году переехать в село Вознесеновка. Супруг Жыпаргул, будучи ее главной опорой в жизни, всегда помогал и поддерживал жену в трудные моменты жизни в их семье. Он начал бизнес в животноводстве, сделав его семейным бизнесом и привлек Жыпаргул в его развитие. Благодаря настойчивости и упорству семьи Жыпаргул, на сегодняшний день в их хозяйстве имеется две дойные коровы и один бычок, ежемесячная прибыль от продажи молочных и мясных продуктов составляет около 10,000 сом. В целях дальнейшего развития своего бизнеса, Жыпаргул обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку дополнительных голов скота. Доходы Жыпаргул с мужем мечтают вложить в постройку хорошего дома и дальнейшее увеличение поголовья скота.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 46.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,175 helped Jipargul to purchase livestock.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 22, 2011
Jan 9, 2012
Currency Exchange Loss:
Feb 15, 2013