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Urnisa is 44 years old and is married with three children. Her eldest son helps her around the farm, and her two younger children work in Moscow and send money home to their mother. Urnisa has been raising raising livestock and keeping bees as a source of income for her family since 1998. She started this business with 1,000 som (KGS). On her farm today, Urnisa has six sheep, five cows, one horse and ten beehives, all of which bring in about 10,000 som (KGS) per month through the sale of livestock and honey. With the goal of developing her business further, Ulrisa turned to Bai Tushum and Partners for a loan of 100,000 som (KGS) to buy one cow and sugar for her bees. She plans to reinvest the income from this loan into developing her business further.
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Урнисе 44 года, замужем.Мать троих детей, старший сын помогает матери по хозяйству. Двое младших работают в Москве, отправляют деньги матери. Урниса в качестве основного источника дохода для своей семьи, с 1998 года занимается животноводством и пчеловодством, начав этот бизнес со стартовой суммы 1,000 сом (KGS). На сегодня в хозяйстве Урнисы насчитывается 6 овец, 5 коров,1 лошадь и 10 пчелиных улей, что приносит около 10,000 сом (KGS) в месяц с перепродажи скота и продажи меда. В целях дальнейшего развития своего бизнеса, Урниса обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку 1 коровы и сахара для пчел. Доходы от кредита Урниса планирует вложить в дальнейшее увеличение бизнеса.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 47.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Urnisa to purchase one dairy cow and sugar for honeybees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 19, 2013
Feb 19, 2013
Currency Exchange Loss:
Feb 17, 2014