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Janiya is 42 years old, married, and has 4 children. Her youngest daughter is 5. As the main source of income for her family, Janiya raises livestock, having started her business in 2000 with an initial investment of 5,000 som (KGS). Thanks to her persistence and hard work, Janiya's business currently includes 2 dairy cows with offspring as well as 0.90 hectares of land where she grows sweet peppers. Her monthly profits from sales of milk and dairy products amount to 6,000-8,000 som (KGS).

In order to continue developing her livestock business, Janiya has turned to Bai Tushum & Partners for a loan of 115,000 som (KGS) to purchase dairy cows. She plans to invest her income from sales of additional milk to the neighbouring Kazakhstan into further expansion of her business, and also into post-secondary education for her eldest son.
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Жание 42 года, замужем, имеет 4 детей, младшей дочери 5 лет. Жания в качестве основного источника дохода для своей семьи занимается животноводством, начав этот бизнес в 2000 году со стартовой суммой в 5,000 сом (KGS). Благодаря настойчивости и упорному труду, Жания имеет в хозяйстве 2 дойных коров с приплодом и 0,90 га земли, где она выращивает болгарский перец. Ежемесячный доход от продажи молока и молочных продуктов составляет 6,000-8,000 сом (KGS). В целях дальнейшего развития своего бизнеса в животноводстве, Жания обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 115,000 сом (KGS) на покупку дойных коров. Доходы от кредита Жания планирует вложить в развитие бизнеса за счет продажи молочных продуктов в соседний Казахстан, а прибыль она намерена вложить в оплату обучения старшего сына в ВУЗе.

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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,013,000
    Funds lent in using Kiva
  • 47.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,450 helped Janiya to purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 29, 2012
Jun 25, 2012
Currency Exchange Loss:
Jun 17, 2013