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Gulya is 39 years old, is married and is raising 3 children. Two of Gulya's children attend school, one is still small and is too young for school. Gulya has been raising livestock for 8 years as a source of income for her family, having started this business with 5,000 som (KGS). Thanks to Gulya's hard work on her farm, today she has 2 dairy cows; her monthly earnings from her holdings are around 15,000 som (KGS) from the sale of milk and dairy products. In order to continue growing her business Gulya turned to "Bai Tushum and Partners" for a loan of 60,000 som (KGS) to purchase 2 cows to fatten and for earnings from the sale of dairy products. Gulya plans to invest the earnings from the loan into growing her business by building a shed for the animals.
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Гуле 39 лет, замужем, воспитывает 3 детей. Двое детей Гули учатся в школе один еще маленький в школу ему еще рано. Гуля в качестве источника дохода для своей семьи, на протяжении 8 лет занимается животноводством, начав этот бизнес с суммы в 5,000 сом (KGS ). Благодаря упорному труду Гули в ее хозяйстве на сегодняшний день имеется 2 молочные коровы, ежемесячная прибыль от хозяйства составляет около 15,000 сом (KGS) от продажи молока и молочных продуктов. В целях дальнейшего развития своего бизнеса, Гуля обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 60,000 сом (KGS) на покупку 2 коров для откорма и доходов от продажи молочной продукции. Доходы от кредита Гуля планирует вкладывать в развитие бизнеса посредством постройки сарая для животных.

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
  • 37
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,538,475
    Funds lent in using Kiva
  • 47.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Gulya to purchase two cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 19, 2012
Dec 26, 2012
Currency Exchange Loss:
Nov 17, 2013