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Zamira is 44 years old, and has four children. She is employed as a cook in the local hospital, where she works until 2 pm. As a second source of income for her family, she has been working in animal husbandry for 13 years — she started this business with practically nothing. Thanks to Zamira's hard work, her business now has 2 cows, a calf, and 8 sheep and goats. Monthly profits from the business are about 12,000 soms (KGS). Last winter was very cold and long, which resulted in livetock losses and a large increase in the cost of feed. So Zamira has decided to make a purchase a load of feed and hay, establishing a reserve as insurance against the risk of seasonal price increases. With this goal, Zamira has come to Bai Tushum & Partners for a loan in the amount of 135,000 soms (KGS). Zamira will invest the income from the loan into paying for her older son's education, and subsequently, into developing her business.
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Замире 44 года, имеет 4 детей. Замира работает поваром в местной больнице с занятостью до 2 часов дня, и в качестве дополнительного источника дохода для своей семьи, на протяжении 13 лет занимается животноводством, начав этот бизнес практически с нуля. Благодаря упорному труду Замиры, в хозяйстве на сегодняшний день имеется 2 коровы и теленок, 8 голов мелкого рогатого скота. Прибыль от хозяйства составляет примерно 12,000 сом в месяц. Прошедшая зима была очень холодной и долгой, что привело к падежу скота и серьезному удорожанию кормов, поэтому Замира решила осуществить закуп кормов и сена, сделав запас во избежание рисков подорожания в сезон. С этой целью, Замира обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 135,000 сом (KGS). Доходы от кредита Замира будет вкладывать в оплату обучения для старшего сына, а в дальнейшем - в развитие 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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 47.2
    Kyrgyzstan Soms (KGS) = $1 USD
A loan of $2,875 helped Zamira to purchase forage.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 15, 2012
Jul 8, 2012
Currency Exchange Loss:
Aug 7, 2012