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Elmira was born in the Katran village. She is 46 years old and a widow. Elmira has one 17 year-old son, who helps her with the household. She shows herself as a calculated and smart person. Besides this, Elmira can run her business well. Animal husbandry is the primary source of income for the family. Her disability pension serves as an additional source of income. After the breakup of the Soviet Union, Elmira's family got involved in animal husbandry. This business helped feed the family during those difficult years of perestroika. She has been running her business for 20 years. Elmira's starting capital amounted to 10,000 KGS. Since that time, the family has tried to improve its living conditions and increase livestock headcount. Today, the family's monthly income amounts to 10,000-15,000 som (KGS), and the business contains three cows and two calves. In order to further develop her business, Elmira requested a loan in the amount of 100,000 som (KGS) from the "Bai-Tushum and Partners" company to buy additional livestock at a lower price. Elmira's plans are to improve the family's welfare and increase livestock headcount.
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Эльмира родилась в селе Катран, ей 46 лет, вдова.На иждивении у Эльмиры один сын ему 17 лет, который помогает ей в хозяйстве. Эльмира проявляет себя как очень расчетливый, умный человек. Помимо этого Эльмира умеет вести свое дело хорошо.Основным источником дохода семьи является животноводство. Дополнительным источником является пенсия по инвалидности. После распада Советского Союза семья Эльмиры занялась животноводством. Животноводство в те трудные времена перестройки помогло прокормить семью.Свой бизнес она ведет в течении 20 лет. Начальный капитал бизнеса Эльмира составлял 10,000 KGS. С того времени семья старалась улучшать свои жилищные условия и увеличивать поголовье скота. На сегодняшний день ежемесячный заработок семьи составляет 10,000 -15,000 сом (KGS) и в хозяйстве имеется 3 голов корывы и 2 теленка. В целях дальнейшего расширения своего бизнеса, Эльмира обратилась в Компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку дополнительных голов скота по более низкой цене. В планах у Эльмиры улучшение благосостояния семьи и увеличение поголовье скота.

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
  • $12,013,000
    Funds lent in using Kiva
  • 47.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Elmira to buy additional livestock at a lower price.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Oct 30, 2012
Currency Exchange Loss:
Nov 17, 2014