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Nazgul is 39 years old, married and has three school-age children. Her husband works as a teacher in the Economics Department of the Osh State University. In search of an additional source of income for her family, Nazgul started her own business in sales of cleaning solutions at the market with an initial sum of 10,000 som (KGS). Thanks to her persistence and hard work, she was able to develop her business to have a monthly income of 15,000 som (KGS). In order to further develop her business, Nazgul requested a loan in the sum of 117,000 som (KGS) from the "Bai-Tushum and Partners" company to expand her merchandise selection. She plans to invest the profits into an expansion of her retail space, and repairs of her house in the summer.
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Назгул 39 лет, замужем, имеет троих детей - школьников. Муж работает в преподавателем в Ошском Государственном Универстите на Факультете Экономики.
В поисках дополнительного источника дохода для своей семьи, 16 лет назад Назгул начала свой бизнес в торговле мыломоющими товарами на рынке со стартовой суммы в 10,000 сом (KGS). Благодаря настойчивости и упорному труду, Назгул сумела развить свой бизнес с ежемесячным доходом 15,000 сом (KGS).
В целях дальнейшего развития своего бизнеса, Назгул обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 117,000 сом (KGS) на расширение ассортимента. Доходы от кредита Назгул планирует вложить в расширение торгового места, а летом- - отремонтировать дом.

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
  • 80
    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 $2,500 helped Nazgul to broaden an assortment of goods.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Feb 23, 2012
Currency Exchange Loss:
Mar 15, 2013