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Ratkhan is 61 years old, widowed, and has 5 children (2 sons and 3 daughters). After the death of her husband, who was the breadwinner of the family, Ratkhan became involved in animal husbandry in order to provide for her family. She started the business with 10,000 somons (KGS). Thanks to her tireless labor and hard work, Ratkhan achieved some success and has been receiving a monthly profit of 10,000 somons (KGS). Today, Ratkhan has 4 dairy cows and 30 sheep on her farm. Her youngest son helps her with the business. Her oldest son lives separately and helps out financially. In order to further grow her business, Ratkhan asked the Microfinance Bank "Bai Tushum and Partners" for a loan in the amount of 100,000 somons (KGS) for the purchase of one cow and some sheep. Ratkhan plans to invest the income from the loan in order to further increase in the number of livestock on her farm, and plans to build a new home in the future.
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Ратхан, 61 год, вдова, имеет 5 детей (2 сына и 3 дочери). После смерти мужа, кормильца семьи в поиске доходов для своей семьи Ратхан стала заниматься животноводством. Бизнес начала с 11,000 сом (KGS). Благодаря ее непосильному труду и емкой работе Ратхан достигла небольших успехов в развитии хозяйства и стала получать ежемесячную прибыль в сумме 10 000 сом (KGS). На сегодняшний день в хозяйстве Ратхан имеется: 4 дойные коровы, 30 овец. По хозяйству помогает самый младший сын. Старший сын проживает отдельно и помогает материально. В целях дальнейшего развития своего хозяйства, Ратхан обратилась в Микрофинансовый банк «Бай-Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку 1 коровы и овец. Доходы от кредита Ратхан планирует вложить в дальнейшее увеличение поголовья скота в своем хозяйстве, а также в будущем 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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,013,000
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Ratkhan to buy cow and sheep.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 4, 2013
Aug 6, 2013
Currency Exchange Loss:
Feb 17, 2015