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Gulmira is 40 years old, married, and is raising four children, the youngest of whom is 9. Gulmira is a school teacher in the village of Ara-Kol. Gulmira breeds cattle as a supplemental source of income for her family. She started her business in 1997 with 5,000 som and, thanks to her hard work, today she has three cows, 45 sheep, one goat, and three horses, which bring her a monthly profit of 10,000 som.

In hopes of further developing her business, Gulmira applied to Bai Tushum & Partners for a loan of 130,000 som for purchasing sheep, which she will fatten and sell. Gulmira plans to invest the income from her loan in increasing her herd in order to pay tuition for her oldest daughter, Altynai.
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Гулмире 40 лет, замужем, воспитывает 4 детей, младшему из которых 9 лет. Гулмира работает в школе села Ара-Кол учителем и в качестве дополнительного источника дохода для своей семьи, занимается разведением скота. Начав этот бизнес в 1997 году с суммы 5,000 сом, благодаря упорному труду на сегодняшний день Гулмира имеет в хозяйстве 3 коровы, 45 овец, 1 козу и 3 лошади, что приносит ежемесячную прибыль в сумме 10,000 сом. В целях дальнейшего развития своего бизнеса, Гулмира обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на покупку овец с целью откорма и перепродажи. Доходы от кредита Гулмира планирует вложить в увеличение хозяйства, чтобы оплатить контракт на обучение старшей дочери Алтынай.

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
  • 61
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,750 helped Gulmira to purchase livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 10, 2012
Jun 9, 2012
Currency Exchange Loss:
Jun 17, 2014