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Naarkul is a 58-year-old married woman. She did not complete her college education, but she has worked in farming for many years and has a wealth of experience. She started her business with 7,500 som in 1992. Thanks to persistent work, Naarkul was able to develop her farm and it now brings her a monthly profit of 5,000 som. Naarkul's husband and daughter actively help her run the business. They organize milk sales. Today she has two cows, one steer, and five sheep on her farm.

With long term development of her farm in mind, Naarkul turned to Bai Tushum and Partners for a loan of 30,000 som to purchase a cow. A new cow will allow her to increase milk production to meet demand. She plans to invest the extra income in future development of her farm and to renovate her furniture.
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Нааркул 58 лет, замужем.Нааркул имеет незаконченное высшее образование, с ранних лет она занимается сельским хозяйством и имеет огромный опыт. Начав этот бизнес с суммы в 7,500 сом (KGS)в 1992 году , благодаря упорному труду, Нааркул смогла развить хозяйство с ежемесячной прибылью в сумме 5,000 сом (KGS). В ведении бизнеса ей активно помогают муж и дочка, они занимаются сбытом молока. Сейчас в хозяйстве Нааркул имеется 2 коровы, 1 бычок и 5 овец. В целях дальнейшего развития своего хозяйства, Нааркул обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 30,000 сом (KGS) для покупки 1 коровы. С приобретением коровы она сможет увеличить сбор молока, тем самым удовлетворив весь спрос на её молоко. Доходы от кредита Нааркул планирует вложить в дальнейшее развитие своего хозяйства и обновить мебель.

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
  • 80
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 47.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Naarkul to purchase a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 15, 2012
Nov 30, 2012
Currency Exchange Loss:
Aug 17, 2013