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Zulaika is 37 years old and is raising four children. As the main source of income for her family, for 16 years Zulaika has been growing crops and raising livestock. She started her business with 5,000 Kyrgyz soms (KGS). Thanks to her hard work, today Zulaika has two milk cows with calves, 17 head of sheep and goats, and a monthly profit of around 6,000 KGS. She also works 7 hectares of land, where she grows alfalfa and esparcet to feed the animals. WIth the goal of further developing her business, Zulaika applied to Bai Tushum and Partners for a loan of 70,000 KGS to buy cattle for fattening and resale. She plans to invest the earnings from the loan back into the business, so that in the future she can pay for her children's education.
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Зулайке 37 лет, воспитывает 4 детей. Зулайка в качестве основного источника дохода для своей семьи, на протяжении 16 лет занимается полеводством и животноводством, начав этот бизнес с суммы в 5,000 сом (KGS ). Благодаря упорному труду Зулайки в ее хозяйстве на сегодняшний день имеется 2 дойные коровы с приплодом, 17 голов мелкого рогатого скота, ежемесячная прибыль от хозяйства составляет около 6,000 сом (KGS). Также Зулайка обрабатывает 7 га земли, где выращивает люцерну и эспарцет, служащие кормом для скота.
В целях дальнейшего развития своего бизнеса, Зулайка обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) на покупку скота для откорма и перепродажи. Доходы от кредита Зулайка планирует вкладывать в развитие бизнеса, чтобы иметь возможность в будущем оплатить 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
  • 38
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,530,050
    Funds lent in using Kiva
  • 47.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Zulaika to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 30, 2012
Sep 16, 2012
Currency Exchange Loss:
Sep 17, 2013