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Kulmairam is 49 years old, a widow and a mother of three children. Her youngest son attends a fifth grade. Kulmairam, left alone after her husband's death, decided to get involved in sales of food products to provide a source of income for her family. She started this business with a sum of 50,000 som (KGS). Thanks to Kulmairam's hard work, today her monthly income amounts to about 10,000 som. Besides this, she is involved in making pies and baked goods, which also bring in a small income. In order to further develop her business, Kulmairam requested a loan in the amount of 130,000 som (KGS) from the "Bai-Tushum and Partners" company to increase her product turnover by purchasing tea, vegetable oil, butter and sugar for making jams. She plans to invest the earnings from the loan into expanding her business by adding a cafe.
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Кулмайрам 49 лет, вдова, мать 3 детей, ее младший сын учится в 5 классе. Кулмайрам, оставшись одна после смерти мужа, в качестве источника дохода для семьи, решила заняться торговлей продуктами питания, начав этот бизнес с суммы в 50,000 сом (KGS). Благодаря упорному труду Кулмайрам, на сегодняшний день ее ежемесячная выручка составляет около 10,000 сом. Кроме того, Кулмайрам занимается изготовлением пирожков и выпечки, что также приносит небольшой доход.
В целях дальнейшего развития своего бизнеса, Кулмайрам обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на увеличение товарооборота за счет закупа чая, растительного и сливочного масел, сахара для изготовления джемов . Доходы от кредита Кулмайрам планирует вложить в расширение своей бизнес – деятельности за счет услуг кафетерия.

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
  • 80
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,800 helped Kulmairam to increase product turnover.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 10, 2012
Aug 23, 2012
Currency Exchange Loss:
Sep 17, 2014