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Gulmairam is 40 years old, married, and has three children.

Searching for a source of income for her family, Gulmairam started a business in 2002 raising animals with savings amounting to 25,000 som (KGS). Thanks to her tenacity and perseverance, today her farm consists of two dairy cows, seven sheep, four heifers, and 13 goats. Her monthly income is about 20,000 som (KGS) from the sale of dairy and milk products. Gulmairam also works eight acres of irrigated land and 16 acres of non-irrigated clover and wheat. For the processing of grain, her husband built a small mill that brings in about 7,000 som (KGS) in the seasonal months.

In order to further develop her business, Gulmairam approached Bai-Tushum and Partners for a loan of 102,000 som (KGS) to purchase additional heads of cattle -- calves. In the future, Gulmairam wants to increase her farm and expand her business.
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Гульмайрам 40 лет, замужем, имеет 3 детей. В 2002 году, в поисках источника дохода для своей семьи, Гульмайрам начала бизнес в животноводстве со сбережений в сумме 25,000 сом (KGS). Благодаря упорству и настойчивости, на сегодняшний день, ее хозяйство насчитывает 2 дойные коровы, 7 овец, 4 нетели, 13 коз, ежемесячная прибыль составляет около 20,000 сом (KGS) в месяц от продажи молочных и мясных продуктов. Также, Гульмайрам обрабатывает 8 соток поливной земли и 16 соток богарной с клевером и пшеницей. Для обработки зерновых, муж Гульмайрам соорудил маленькую мельницу, которая приносит около 7,000 сом (KGS) в сезонные месяцы. В целях дальнейшего развития своего бизнеса, Гульмайрам обратилась в компанию «Бай-Тушум и Партнеры» за кредитом в сумме 102,000 сом (KGS) на покупку дополнительных голов скота - молодняка. В будущем, Гульмайрам хочет увеличить хозяйство и расширить свой бизнес.

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
  • 65
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 47.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,175 helped Gulmairam to purchase livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 19, 2012
Aug 7, 2012
Currency Exchange Loss:
Aug 17, 2014