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Elmira is a 29-year-old married mother of three. While searching for additional sources of income for her family in 2005, Elmira started her own animal husbandry business. Her initial investment was 20,000 som. Successful work in animal husbandry and the sale of diary products has allowed Elmira to grow fodder on a 1.16 hectare plot. This enables her to feed her own cattle as well as to earn extra money selling fodder.

With future business development in mind, Elmira turned to Bai Tushum and Partners for a 30,000 som loan to purchase a dairy cow in order to increase her income from milk sales. Elmira plans to renovate her home with the additional income.
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Эльмире 29 лет, замужем и воспитывает 3 детей. В поисках источника финансирования для своей семьи, Эльмира начала свой бизнес в животноводстве еще 2005 году, использовав для этого стартовую сумму 20,000 сом (KGS). Успешно работая в сфере животноводства и имея доход от продажи молочных продуктов, Эльмира также выращивает кормовые культуры на участке в 1,16 га, что позволяет ей обеспечивать кормами свой скот и иметь дополнительный доход от продажи кормов. Для дальнейшего развития своего бизнеса, Эльмира обратилась в компанию «Бай - Тушум и Партнеры» за кредитом в сумме 30,000 сом (KGS) на покупку 1 коровы для увеличения доходов от продажи молока. На прибыль от кредита Эльмира планирует сделать ремонт дома.

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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,013,000
    Funds lent in using Kiva
  • 47.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Elmira to purchase 1 milk cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 5, 2013
Feb 23, 2013
Currency Exchange Loss:
Sep 17, 2014