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Elmira is 48 years old and has five children. Elmira has been breeding cattle for many years now. She started her business with 10,000 som and, as a result of her hard work, today Elmira has 1 milk cow and its young, and ten head of sheep. Elmira also works 1.5 hectares of land where she grows potatoes and sainfoin, which is used as feed for her cattle. Elmira sells milk every day and her yearly income comes to about 150,000 KGS.

With an aim to further developing her business, Elmira applied to Bai Tushum & Partners for a loan of 50,000 som (KGS) to buy a cow and five sheep in order to increase her income from from selling milk and cattle. Elmira plans to invest the profit from the loan in further growing her business. Now, she is saving up to buy a tractor.
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Элмире 48 лет, имеет 5 детей.Эльмира уже многие годы занимается животноводством, начав этот бизнес с суммы в 10,000 сом. Благодаря упорному труду Элмиры в ее хозяйстве на сегодняшний день имеется 1 дойная корова с приплодом,10 голов овец. Также, Элмира обрабатывает 1,5 га земли с картофелем и эспарцетом, служащим кормом для скота.Эльмира ежедневно сдает молоко. ежегодный доход составляет около 150,000 KGS. В целях дальнейшего развития своего бизнеса, Элмира обратилась в компанию «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку 1 коровы и 5 овец, для увеличения доходов от продажи молока и перепродажи скота. Доходы от кредита Элмира планирует вложить в дальнейшее увеличение бизнеса, Сейчас копят средства на покупку трактора.

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
  • 28
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,868,550
    Funds lent in using Kiva
  • 47.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Elmira to purchase 1 cow and 5 sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Mar 9, 2013
Currency Exchange Loss:
Mar 17, 2014