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Elmira is 44 years old. In 1994, while looking for a source of income, she started her own business selling small personal and home accessories with an initial investment of 20,000 som (KGS). Thanks to her persistence and hard work, Elmira succeeded in developing her business so that it now earns 10,000 som (KGS) per month. Currently, the variety of goods on offer is limited, which is why Elmira has turned to Bai Tushum & Partners for a loan of 130,000 som (KGS). She plans to invest her profits from this loan into further expanding her product range by offering footwear in her shop.
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Эльмире 44 года. В 1994 году, в поисках источника дохода, Эльмира начала свой бизнес в торговле галантереей со стартовой суммой в 20,000 сом (KGS). Благодаря настойчивости и упорному труду, Эльмира сумела развить свой бизнес с ежемесячным доходом в 10,000 сом (KGS). На сегодняшний день ассортимент товаров не представлен в изобилии, и по этой причине Эльмира обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS). Доходы от кредита Эльмира планирует вложить в расширение товаров за счет обуви.

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
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,800 helped Elmira to broaden the assortment of goods in her store.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 20, 2012
Mar 22, 2012
Currency Exchange Loss:
Apr 16, 2014