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Guljan is 50 years old. She is a widow who has raised five children. Her youngest son lives together with her. He is 23 years old.

Guljan started her business of livestock breeding and field crop cultivation after the collapse of the Soviet Union, in search of a source of income for her family, with a starting sum of 10,000 som (KGS). Thanks to perseverance and hard work, Guljan was able to develop her business to a monthly income of 12,000 som (KGS). Currently Guljan has three heads of cattle, one horse and 30 sheep at her farm.

Guljan turned to the organization "Bai Tushum & Partners" for a loan in the amount of 100,000 som (KGS) for the purchase of cows. Guljan plans to invest the income from the loan in developing her business and party to save for a wedding at home and the family welfare.
View original language description ↓
Гулжан 50 лет,вдова, воспитала 5 детей. Младший сын живет вместе с Гулжан, ему 23 года. После развала СССР, в поисках источника дохода для своей семьи, Гулжан начала свой бизнес в Животноводстве и растениеводстве со стартовой суммой в 10,000 сом (KGS). Благодаря настойчивости и упорному труду, Гулжан сумела развить свой бизнес с ежемесячным доходом в 12,000 сом (KGS). На сегодняшний день в хозяйстве у Гулжан имеется 3 голов КРС, 1 лошадь и 30 овец , Гулжан обратилась в компанию «Бай – Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) для приобретения коров. Доходы от кредита Гулжан планирует вложить в развитие бизнеса и часть – откладывать на свадьбу дома и благосостояние семьи

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
  • 38
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,873,450
    Funds lent in using Kiva
  • 47.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Guljan to purchase two dairy cows.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 15, 2013
Mar 21, 2013
Currency Exchange Loss:
Mar 17, 2014