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Nazgul is 29 years old, married, and has four children. While searching for a source of income for her family, in 2002 Nazgul started her own livestock and crop business. Thanks to her persistent work, Nazgul's farm currently has 2 dairy cows, 15 sheep and a horse. Her monthly income from sales of milk and dairy products is roughly 5,000 som (KGS). At the same time, Nazgul grows crops and presently has a 1.44-hectare plot of land with clover, while also planning to sow wheat on 11 hectares of non-irrigated land.

In order to continue developing her business, Nazgul has turned to Bai-Tushum & Partners for a loan of 120,000 som (KGS) to purchase seeds, mineral fertilizers, and pesticides. Nazgul is planning to invest her profits from this loan into further expanding her business.
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Назгуль 29 лет, замужем, имеет четверых детей. В поисках дохода для своей семьи, в 2002 году Назгуль начала свой бизнес в животноводстве и полеводстве. Благодаря упорному труду Назгуль, в ее хозяйстве на сегодняшний день имеется 2 дойные коровы,15 овец и лошадь. Ежемесячный доход от продажи молока и молочных продуктов составляет примерно 5,000 сом (KGS). Параллельно с животноводством Назгуль занимается полеводством - на сегодняшний день, кроме земельного надела мерою 1,44га с клевером, Назгуль собирается засеять пшеницей 11га богарной земли.
В целях дальнейшего развития своего бизнеса, Назгуль обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 120,000 сом (KGS) на покупку семян, минерального удобрения и ядохимикатов. Доходы от кредита Назгуль планирует вложить в дальнейшее увеличение своего хозяйства.

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 $2,575 helped Nazgul to purchase seeds, fertilizers and pesticides.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 4, 2012
Apr 6, 2012
Currency Exchange Loss:
Mar 15, 2013