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Gulya is a 47-year-old married woman with two children. She works as a teacher at a local school, but for extra income, she has also worked in crop farming and animal husbandry for more than ten years. She started her business with 10,000 som, and thanks to persistent hard work she now owns 15 sheep. Her farming provides her with a monthly income of about 5,000 som.

With the long-term development of her business in mind, Gulya turned to the company Bai-Tushum and Partners for a loan of 100,000 som. She wants to use this loan to purchase cattle. She want to fatten them and sell their dairy products. Gulya plans to invest the extra income back into her business by purchasing a plot of land.
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Гуле 47 лет, замужем, воспитывает 2 детей. Гуля работает преподавателем в местной школе и в качестве дополнительного источника дохода для своей семьи, на протяжении 10 лет занимается полеводством и животноводством, начав этот бизнес с суммы в 10,000 сом (KGS ). Благодаря упорному труду Гули в ее хозяйстве на сегодняшний день имеется 15 голов мелкого рогатого скота, ежемесячная прибыль от хозяйства составляет около 5,000 сом (KGS).
В целях дальнейшего развития своего бизнеса, Гуля обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку крупного рогатого скота для откорма и доходов от продажи молочной продукции. Доходы от кредита Гуля планирует вкладывать в развитие бизнеса посредством покупки земельного участка.

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
  • 68
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 47.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Gulya to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 28, 2012
Sep 15, 2012
Currency Exchange Loss:
Sep 17, 2014