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Nazgul is 39 years old. She is married and bringing up four children. For 4 years, Nazgul has been growing produce and raising livestock. She launched this business with a starting capital of 5,000 KGS, which was used for planting potatoes. Thanks to Nazgul’s hard work, her farm now includes three cows and some farm land where she grows corn, potatoes and onions. Nazgul also takes care of a cherry orchard, which brings her an additional income during the harvest season. Sales of milk and vegetables bring Nazgul about 12,000 KGS monthly. Nazgul is a trained seamstress. She tries to share her experience and teaches sewing to local young women.

In order to develop her business further, Nazgul has turned to “Bai Tushum and Partners” for a loan in the amount of 70,000 KGS in order to buy fertilizers for growing onions. Nazgul plans to use the resulting revenues in expanding her farm further.
View original language description ↓
Назгул 39 лет, замужем, воспитывает 4 детей. Назгул на протяжении 20 лет занимается полеводством и животноводством, начав этот бизнес с суммы 5,000 сом, израсходованной на посев картошки. Благодаря упорному труду Назгул в ее хозяйстве на сегодняшний день имеется 3 коровы, земля, где она выращивает кукурузу, картофель и лук. Также, Назгул ухаживает за черешневым садом, приносящим дополнительный доход в сезон урожая. Продажа молока и овощей приносит Назгул около 12,000 сом в месяц. Будучи по профессии швеей, Назгул старается передать опыт и обучает местных девушек пошиву.
В целях дальнейшего развития своего бизнеса, Назгул обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) на покупку удобрений для выращивания лука. Доходы от кредита Назгул 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
  • 39
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,533,825
    Funds lent in using Kiva
  • 47.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Nazgul to purchase fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 19, 2012
May 21, 2012
Currency Exchange Loss:
May 17, 2013