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Kulmira is 52 years old, married and has three children. In search of an additional source of income for her family, she started her own business of reselling agricultural crops in 2002. Kulmira used an initial sum of 5,000 som (KGS) for the first purchase of potatoes for resale and was able to develop her business to have a working capital of 30,000 som (KGS). The earnings from the business allowed her to purchase a UAZ car to transport potatoes. In order to further grow her business, Kulmira requested a loan in the sum of 100,000 som (KGS) from the "Bai-Tushum and Partners" company to increase goods turnover. In the near future, she also plans to use the profits from the loan to make repairs to her home and continue to expand her business.
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Кульмире 52 года, замужем и имеет троих детей. В 2002 году, в поисках средств к существованию для своей семьи, Кульмира начала свой бизнес в перепродаже сельхоз продукции. Кульмира использовала стартовую сумму в 5,000 сом (KGS) на первый закуп картофеля для перепродажи, и сумела развить свой бизнес с оборотным капиталом в сумме 30,000 сом (KGS).Доходы от деятельности позволили Кульмире приобрести машину УАЗ для перевозки картофеля. В целях дальнейшего развития своего бизнеса, Кульмира обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на увеличение товарооборота. В ближайшее время, при помощи доходов от кредита, Кульмира планирует сделать ремонт в доме и в дальнейшем расширять свой бизнес.

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
  • 81
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Kulmira to increase goods turnover.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Feb 8, 2012
Feb 10, 2012
Currency Exchange Loss:
Feb 17, 2014