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Shaikul is 62 years old, a widow, and the mother of three children. Over the course of preparing her loan, Shaikul showed herself to be responsible, conscientious, and enterprising, with a sense of duty, as well as knowing how to properly manage her financial resources and invest them in the right things. Since 1996, Shaikul has been in the business of animal husbandry and farming, which are the primary source of income for the family. She began her business with 2,000 KGS, and thanks to her hard work, her business now brings her about 8,000 KGS per month, which serves as the basis for covering her family's food and other household needs.

Shaikul also has 1.80 hectares, where she cultivates wheat and perennial grasses. Over the years, her business has become very well developed. She now has two horses and 15 sheep. The income from her business has allowed Shaikul to give her children an education. With an aim to further developing her business, Shaikul applied to Bai Tushum & Partners for a loan of 130,000 som (KGS) to buy bulls and sheep. Shaikul plans to invest the profits from the loan in further expanding her business. She also plans to use a part of the profit for doing home repairs.
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Шайкул 62 года, вдова,мать 3 детей. За период оформления кредита Шайкул показала себя как человек ответственные, порядочный, добросовестный, предприимчивый и с чувством долга умеющий правильно вести и вкладывать денежные средства в нужное направление. Шайкул в качестве основного дохода для своей семьи, с 1996 года занимается животноводством и полеводством, начав этот бизнес с 2,000 KGS. Благодаря упорному труду Шайкул, ее деятельность приносит около 8,000 KGS в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи. Также Шайкул возделывает 1,80 га земли с пшеницей и многолетними травами. за это время у неё очень развитое хозяйство, в хозяйстве имеется 2 лошади,15 овец. Доходы от бизнеса позволили Шайкул дать образование своим детям. В целях дальнейшего развития своего бизнеса, Шайкул обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на покупку бычков и овец. Доходы от кредита Шайкул планирует вложить в дальнейшее увеличение своего бизнеса, часть доходов планирует сделать дома ремонт

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
  • 62
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 47.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,750 helped Shaikul to purchase bulls and sheep.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 12, 2012
Dec 20, 2012
Currency Exchange Loss:
Jul 17, 2014