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Gulzina is 32 years old, married, and raising 3 children, the youngest of whom is 2. Since 2000, Gulzina has been farming and raising livestock, having started her business with a sum of 10,000 som (KGS). Presently, her farm includes 1 dairy cow with offspring and 1 horse, as well as 2 hectares of land with beans and potatoes, and earns around 5,000 som (KGS) per month. Gulzina's profits allow her to cover the family's daily food and household expenses, while the seasonal sale of beans has brought enough money to purchase a small tractor, which Gulzina's husband uses to offer land cultivation services to the local population.

In order to continue developing her business, Gulzina has turned to Bai Tushum & Partners for a loan of 120,000 som (KGS) to purchase 2 horses. She plans to invest her profits into further expansion of her business, so as to save enough money for her children's education.
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Гулзине 32 года, замужем, воспитывает 3 детей, младшему сыну 2 года. Гулзина с 2000 года занимается животноводством и полеводством, начав этот бизнес с суммы в 10,000 сом (KGS). На сегодняшний день в хозяйстве Гулзины имеется 1 дойная корова с приплодом, 1 лошадь, 2 га земли с посевом фасоли и картофеля, ежемесячная прибыль составляет около 5,000 сом (KGS). Доходы позволяют Гулзине покрыть ежедневные расходы семьи на питание и бытовые нужды, а сезонная продажа фасоли позволила приобрести небольшой трактор, при помощи которого муж Гулзины предоставляет услуги по обработке земли для местного населения. В целях дальнейшего развития своего бизнеса, Гулзина обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 120,000 сом (KGS) на покупку 2 лошадей. Доходы Гулзина планирует вложить в дальнейшее увеличение хозяйства, чтобы иметь возможность накопить средства на обучение детей.

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
  • $12,018,650
    Funds lent in using Kiva
  • 46.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,600 helped Gulzina to purchase two horses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 17, 2012
Aug 31, 2012
Currency Exchange Loss:
Sep 17, 2013