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Nurjamal is a 56-year-old widow and mother of three. After the fall of the Soviet Union, Nurjamal was given part of her land. Since 1991 she has worked in animal husbandry and crop farming, providing the main source of income for her family. She started her business with 1,000 som and thanks to hard work and persistence she now has a total of one cow, five sheep, and two horses, which provide her with a monthly income of 20,000 - 30,000 som. Additionally, she plants clover and barley on 3.6 hectares of land annually.

With long term business development in mind, Nurjamal turned to Bai Tushum and Partners for a loan of 50,000 som to purchase cattle. When she sells her cattle next fall, she plans to build a large shed.
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Нуржамал 56 лет,вдова, мать 3 детей.После распада СССР Нуржамал получила часть своей земли. Нуржамал в качестве основного источника дохода для своей семьи с 1991 года начала заниматься животноводством и полеводством. Начатый с суммы 1,000 KGS бизнес, благодаря упорному труду и настойчивости Нуржамал , на сегодня насчитывает 1 корова, 5 голов овец и 2 лошадей и приносит доход около 20,000 - 30,000 сом в месяц. Кроме этого на 3,6 га земли Нуржамал ежегодно сажает клевер и ячмень. В целях дальнейшего развития своего бизнеса, Нуржамал обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку скота. На средства полученные от реализации скота будущей осенью, она планирует построить большой сарай.

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
  • 54
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,897,275
    Funds lent in using Kiva
  • 47.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Nurjamal to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 29, 2012
Currency Exchange Loss:
Nov 17, 2013