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Zamira is 38 years old and married with two children. Zamira, as the main income earner for her family, since 2004 has been selling men's clothing at the market, starting with the amount of 20,000 som. Thanks to her hard work, Zamira generates about 20,000 som per month, which is the basis to cover the cost of food and household needs for the family.

In order to further the development of her business, Zamira turned to Bai-Tushum and Partners for a loan in the amount of 100,000 som (KGS) for the purchase of clothes for the coming season – warm coats, jackets and sweaters. Zamira plans to invest in further expansion of its business with income from loan, in order to eventually build a big house for her family.
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Замире 38 лет, замужем, имеет 2 детей. Замира в качестве основного дохода для своей семьи, с 2004 года занимается продажей мужской одежды на рынке, стартовав с суммы 20,000 сом. Благодаря упорному труду Замиры, ее деятельность позволяет приносить около 20,000 сом в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи.
В целях дальнейшего развития своего бизнеса, Замира обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на закуп одежды на предстоящий сезон – теплых кофт, курток и свитеров. Доходы от кредита Замира планирует вложить в дальнейшее увеличение своего бизнеса, чтобы в перспективе построить большой дом для своей семьи.

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
  • 67
    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 $2,125 helped Zamira to purchase seasonal clothes for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 7, 2012
Sep 28, 2012
Currency Exchange Loss:
Oct 17, 2013