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Gulzina is 35 years old. She has been doing animal husbandry and field crop cultivation for the past ten years as an additional source of income for her family, a business which she started with an amount of 8,000 som. Because of her hard work Gulzina now has one cow with a calf, five sheep and one horse with a foal as well as the sale of milk which brings around 6,000 som a month.

With a goal to grow her business further Gulzina has come to Bai Tushum and Partners for a loan in the amount of 20,000 som (KGS) to buy four heads of sheep. She plans to invest the income from the loan into further growth of her business.
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Гульзине 35 лет. Гульзина в качестве основного источника дохода для своей семьи, на протяжении 10 лет занимается животноводством и полеводством, начав этот бизнес с суммы в 8,000 сом. Благодаря упорному труду Гульзины в ее хозяйстве на сегодняшний день имеется 1 корова с теленком, 5 овец, 1 лошадь с жеребенком, продажа молока приносит около 6,000 сом в месяц.
В целях дальнейшего развития своего бизнеса, Гульзина обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 20,000 сом (KGS) на покупку 4 голов овец. Доходы от кредита Гульзина будет вкладывать в дальнейшее 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
  • 34
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,530,050
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Gulzina to purchase four heads of sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 25, 2012
Jul 13, 2012
Currency Exchange Loss:
Jul 18, 2013