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Kulayir is a member of the "Kulkayir" group. She is 48 years old and the mother of four children. Kulayir works as a cashier at the local office of Elektrosetei and, as additional income for her family, is engaged in livestock and agriculture. Through hard work, her farm today has 0.36 hectares of land sown with grain crops, ten heads of sheep and goats with offspring, and two horses.

In order to further develop her business, Kulayir turned to the microfinance bank Bai-Tushum and Partners for a loan of 50,000 som (KGS), with the purpose of buying livestock for fattening.

Kulayir plans to invest income from the loan to the further development of her business, and wants to buy a tractor to work the field.
View original language description ↓
Кулайыр – участник группы «Кулкайыр», ей 48 лет, мать 4 детей. Кулайыр работает кассиром в местном офисе Электросетей и в качестве дополнительного дохода для своей семьи, занимается животноводством и полеводством. Благодаря упорному труду, в ее хозяйстве на сегодняшний день имеется 0,36 га земли с посевом зерновых культур, 10 голов мелкого рогатого скота с приплодом и 2 лошади. В целях дальнейшего развития своего бизнеса, Кулайыр обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) , целью которого является покупка скота на откорм. Доходы от кредита Кулайыр планирует вложить в дальнейшее развитие своего бизнеса, и мечтает купить трактор для работ на поле.

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
  • 62
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 48.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Kulkayir to purchase livestock.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Apr 1, 2013
May 3, 2013
Currency Exchange Loss:
Jan 18, 2014