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Salamat is 26 years old, married, and raising 2 children, the youngest of whom is 4 years of age. Salamat has post-secondary education: after graduating from high school, she enrolled in the Agrarian Institute to study economics and management. Since 2006, Salamat has been raising livestock and cultivating crops, having started her business with an initial investment of 20,000 som (KGS). Presently, she keeps 2 horses and 1 cow. Her income from resale of livestock and sales of milk amounts to roughly 5,000 som (KGS) per month. Salamat also works 0.3 hectares of land where she annually plants beans.

In order to continue developing her business, Salamat has turned to Bai Tushum & Partners for a loan of 50,000 som (KGS) to purchase 1 cow and other livestock. She plans to invest her profits from this loan into further increasing the size of her herd, as well as expanding the area of the land she cultivates.
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Саламат 26 лет, замужем, воспитывает 2 детей, младшему из которых 4 года. Саламат имеет высшее образование После окончания школы клиентка поступила в Аграрный Институт по специальности "Экономист-менеджер" - с 2006 года занимается животноводством и полеводством, начав этот бизнес со стартовой суммы 20,000 сом (KGS). На сегодняшний день, в хозяйстве Саламат имеется 2 лошади, 1 корова. доходы от перепродажи скота и продажи молока составляют примерно 5,000 сом (KGS) в месяц. Саламат обрабатывает 0,3 га земли где ежегодно сажают Фасоль. В целях дальнейшего развития своего бизнеса, Саламат обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на закуп 1 коровы и скота. Доходы от кредита Саламат планирует вкладывать в увеличения поголовья скота и увеличение площади посевных полей.

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
  • 58
    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 $1,075 helped Salamat to purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Dec 21, 2012
Currency Exchange Loss:
Jan 18, 2014