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Guljan is 51 years old and has 5 children. Guljan's eldest three children are grown up and work in Moscow. Her remaining daughter and son are students. By nature, Guljan is a level-headed and hardworking person. She has already worked for many years as a librarian in a local library. Her librarian salary is very low, which is why in 1997, in search of a source of income for her family, Guljan began her animal husbandry business with an initial investment of 5,000 som (KGS). Thanks to her perseverance and hard work, Guljan was able to develop her business to generate a monthly profit of 15,000 som (KGS) from the sale of milk and dairy products.

In connection with this, Guljan is preparing to marry off her son and needs to expand her agricultural business in order to increase her family's income. Guljan approached the company "Bai - Tushum and Partners" for a loan in the amount of 100,000 som (KGS) to purchase 4 heifers. In the future, with the help of the cows, she can increase her milk production.
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Гулжан 51 год, воспитывает 5 детей. Старшие трое детей Гулжан взрослые, они работают в Москве. Дочка и сын являются студентами. По характеру Гулжан человек очень спокойный и трудолюбивый. Она уже много лет работает библиотекарем в местное библиотеке, заработная плата библиотекаря очень низкая и в связи с этим, в 1997 году, в поисках источника дохода для своей семьи, Гулжан начала свой бизнес в животноводстве со стартовой суммой в 5,000 сом (KGS). Благодаря настойчивости и упорному труду, Гулжан сумела развить свой бизнес с ежемесячным доходом в 15,000 сом (KGS) от продажи молока и молочной продукции.В связи с тем, что Гулжан предстоит обустроить и женить сына,появилась потребность расширения хозяйства,для того чтобы увеличить доходы семьи Гулжан обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) для приобретения 4 нетелей. В последующем, с помощью коров она сможет увеличить надои молока.

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 $2,125 helped Guljan to purchase young cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 29, 2012
Dec 18, 2012
Currency Exchange Loss:
Dec 17, 2013