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Gulzat is 24 years old, married and has three children. In search of a source of income for the family, Gulzat started working with livestock breeding. Having started with 30,000 som (KGS) in 2007, the farm today brings in around 20,000 som (KGS) per month from the sale of dairy products and reselling livestock. Thanks to Gulzat's persistent work, her farm today counts three cows and 15 sheep.

With an aim to further develop her business, Gulzat turned to the organization "Bai Tushum & Partners" for a loan in the amount of 60,000 som (KGS) for the purchase of sheep at a very low price. Gulzat plans to invest the income in further growing her business through increasing the amount of livestock. She plans to build a house in the future.
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Гулзат 24 года, замужем, имеет 3 детей. В качестве источника дохода для семьи, Гулзат начала заниматься животноводством. Начатое с 30,000 сом (KGS) в 2007 году, хозяйство на сегодня приносит около 20,000 сом (KGS) в месяц от продажи молочных продуктов и перепродажи скота. Благодаря упорному труду Гулзат, ее хозяйство насчитывает 3 коровы,15 овец. В целях дальнейшего развития своего бизнеса, Гулзат обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 60,000 сом (KGS) на покупку овец по более низкой цене. Доходы Гулзат планирует вложить в дальнейшее увеличение бизнес за счет увеличения поголовья скота. В её планах в будущем построить дом.

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
  • 52
    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 $1,275 helped Gulzat to purchase livestock.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Dec 3, 2012
Currency Exchange Loss:
May 17, 2014