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Kuljan is 47 years old. She is raising a daughter who attends third grade. For 15 years, Kuljan has been operating a cafe, having started her business with a sum of 30,000 som (KGS). Her formal training as a cook, as well as her hard and persistent work, allow Kuljan to earn 20,000 som (KGS) per month. In order to continue developing her business, Kuljan has turned to Bai Tushum & Partners for a loan of 120,000 som (KGS) to buy a refrigerated display unit and to stock up on ingredients. This will allow Kuljan to expand the cafe's menu and to attract new customers. She plans to invest her profits from this loan into further expansion of her business.
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Кулжан 47 лет, воспитывает дочь - третьеклассницу. Кулжан на протяжении 15 лет занимается предоставлением услуг общественного питания, начав этот бизнес с суммы в 30,000 сом (KGS). Профессиональная подготовка в поварском деле, упорный и настойчивый труд позволяет Кулжан иметь ежемесячную прибыль в сумме 20,000 сом (KGS).
В целях дальнейшего развития своего бизнеса, Кулжан обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 120,000 сом (KGS) на покупку витринного холодильника и закуп продуктов. Это позволит Кулжан расширить меню кафе и обрести новых клиентов. Доходы от кредита Кулжан планирует вложить в дальнейшее увеличение бизнеса.

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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 46.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,600 helped Kuljan to purchase a refrigerator and food products.
100% repaid
Repayment Term
23 months (Additional Information)
Repayment Schedule
Mar 19, 2012
Mar 26, 2012
Currency Exchange Loss:
Jan 18, 2014