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Raya is 57 years old, she is a widow. Raya's children are already grown and independent. Since 1991, after the fall of the USSR, searching for a source of income for her family, Raya started her livestock business. Thanks to her tenacity and perseverance today her holdings include 4 dairy cows, 26 sheep, 3 horses and bring in around 10,000 som (KGS) per month from the sale of milk and dairy products and livestock sales. In order to further grow her business, Raya turned to Bai-Tushum and partners for a loan of 70,000 som (KGS) for the purchase of 3 calfs. In the future, Raya would like to increase her holdings and grow her business, she dreams of buying her son a car so he can drive to the city.
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Рая 57 лет, вдова. Дети Райкан уже взрослые и самостоятельные. С 1991 года, После развала СССР в поисках источника дохода для своей семьи, Рая начала свой бизнес в животноводстве. Благодаря упорству и настойчивости, на сегодняшний день, ее хозяйство насчитывает 4 дойные коровы, 26 голов овец, 3 лошади и приносит около 10,000 сом (KGS) в месяц от продажи молока и молочных продуктов и перепродажи скота. В целях дальнейшего развития своего бизнеса, Рая обратилась в компанию «Бай-Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) на покупку 3 голов телят. В будущем, Рая хочет увеличить хозяйство и расширить свой бизнес и мечтает купить сыну автомобиль для того что бы выезжать в город.

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
  • 35
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,533,825
    Funds lent in using Kiva
  • 47.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Raya to purchase 3 calfs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 18, 2013
Feb 26, 2013
Currency Exchange Loss:
Sep 17, 2013