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Nazgul is 23 years old and is married. She and her husband have one wonderful daughter. With her husband, Nazgul started farming and raising livestock in 2010 as a source of income for their family, starting this business with a sum of 30,000 KGS. Thanks to Nazgul's hard work on her farm, today they have a cow, five rams and one tractor. Monthly income from their holdings is around 10,000 som (KGS) from the sale of milk and dairy products. With the goal of further growing her business. Nazgul turned to "Bai Tushum and Partners" for a loan of 30,000 som (KGS) to purchase one cow and tractor parts. It's necessary to prepare the tractor for the spring plowing. Nazgul plans to use the profits from the loan to invest into growing her business by buying additional heads of livestock and for improving the material well being of the family. Nazgul's main goal is to raise her daughter and to give her a good education.
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Назгуль 23 года, замужем. У них с мужем одна замечательная дочка. Назгуль с мужем в качестве источника дохода для своей семьи, в 2010 году начала заниматься полеводством и животноводством, начав этот бизнес с суммы в 30,000 KGS. Благодаря упорному труду Назгуль в ее хозяйстве на сегодняшний день имеется корова, 5 баранов и один трактор.Ежемесячная прибыль от хозяйства составляет около 10,000 сом (KGS) от продажи молока и молочных продуктов. В целях дальнейшего развития своего бизнеса, Назгуль обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 30,000 сом (KGS) на покупку 1 коровы и детали для трактора. Трактор необходимо подготовить для весенних пахотных работ. Доходы от кредита Назгуль планирует вкладывать в развитие бизнеса посредством покупки дополнительных голов скота и для улучшения материального благосостояния семьи. Основная цель Назгуль это вырастить дочку и дать ей хорошее образование.

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
  • 61
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Nazgul to purchase a cow and tractor parts.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
Nov 9, 2012
Dec 7, 2012
Currency Exchange Loss:
Jun 17, 2014