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Update on Kelsin

Kelsin is 49 years old, married, and cares for her family and ailing mother. Kelsin's work is her family's main source of income. She has been farming since 2002. She started this business with 45,000 som (KGS). Today, Kelsin's farm has 1.80 hectares of land where she grows beans and beets. In order to further develop her business, Kelsin approached Bai Tushum and Partners for a loan in the amount of 130,000 som (KGS) to buy fertilizer and pesticides. Kelsin plans to invest income from loan into the business and to improve her family's standard of living by renovating their home.
View original language description ↓
Келсин 49 лет, замужем, заботится о своей семье и больной матери. Келсин в качестве основного источника дохода для своей семьи, с 2002 года занимается полеводством, начав этот бизнес с суммы 45,000 сом (KGS). На сегодня в хозяйстве Келсин имеется 1,80 га земли, где она выращивает фасоль и свеклу. В целях дальнейшего развития своего бизнеса, Келсин обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на покупку минеральных удобрения и ядохимикаты. Доходы от кредита Келсин планирует вложить в дальнейшее увеличение бизнеса и улучшения благосостояния семьи, путем ремонта дома.

Previous Loan Details

Kelsin is 49 years old, married, and she takes care of her family and her ill mother. As a main income for her family, Kelsin has been engaged in field crop cultivation cine 2002, after having started this business with a sum of 45,000 som (KGS). Currently Kelsin's farm has 1.80 hectares of land,... More from Kelsin's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 28
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,868,550
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,750 helped Kelsin to purchase fertilizer.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 17, 2012
Dec 24, 2012
Currency Exchange Loss:
Jul 17, 2014
This photo was used before for a previous loan for Kelsin. It was first posted on Kiva on Jun, 2012. Learn More