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Nurjamal is fifty two years old, married and the mother of two children. After the collapse of the USSR, she was given a plot of land. She is the main source of income for her family and has worked with livestock since 1995. She began her business with 15,000 KGS and thanks to her hard work and perseverance, today she owns one cow and 1.2 hectares of land where she plants beans, potatoes and strawberries each year. Her business brings in around 180,000 to 200,000 KGS each month. With the goal of further developing her business, Nurjamal has turned to Bai Tushum and Partners for a loan of 130,000 KGS to buy one cow. This will allow her to increase her revenue from the sale of milk. She plans to use what's leftover from the loan to buy sheep to increase her income from reselling animals. With the funds received next fall she plans to build a new home.
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Нуржамал 52 года,замужем, мать 2 детей.После распада СССР Нуржамал получила часть своей земли. Нуржамал в качестве основного источника дохода для своей семьи с 1995 года начала заниматься животноводством и полеводством. Начатый с суммы 15,000 KGS бизнес, благодаря упорному труду и настойчивости Нуржамал , на сегодня насчитывает 1 корова и 1,2 га земли где ежегодно сеет фасоль, картошку и клубнику и приносит доход около 180,000 - 200,000 KGS сом в месяц. В целях дальнейшего развития своего бизнеса, Нуржамал обратилась в банк «Бай –Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на 1 дойной коровы для увеличения доходов от продажи молока и на остаток средств планирует приобрести овец для увеличения доходов от перепродажи скота. На средства полученные от реализации скота будущей осенью, она планирует построить новый дом.

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 $2,725 helped Nurjamal to purchase 1 milk cow and sheep.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Mar 15, 2013
Currency Exchange Loss:
Jan 18, 2015