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Gulnisa is 56 years old, married and has four children. Gulnisa has a higher education and currently works as a teacher at a local school. She is known as a person with principles, honest and kind. Extensive experience and devotion to her business allowed Gulnisa to receive many recognitions and awards, such as the distinguished educator. In search of an additional source of income for her family, Gulnisa started her own business of fattening up livestock in 2004. Started with 30,000 som (KGS), today her business yields a monthly profit in the amount of 8,000 som (KGS). Gulnisa's business contains one dairy cow, one calf and sheep. She also has a land plot f 2.15 hectares, where she primarily grows beans. She also grows clover on 5 hectares of leased land. Gulnisa invested the earnings from the business in paying for her children's education. In order to further develop her business, Gulnisa requested a loan in the amount of 70,000 som (KGS) from the Microfinance bank "Bai-Tushum and Partners" to buy livestock. She plans to use the earnings from the loan to increase livestock headcount and wants to build an additional barn for keeping livestock.
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Гулнисе 56 лет, замужем и имеет 4 детей. Гулниса имеет высшее образование и на сегодняшний день работает в местной школе преподавателем. Гулниса известна как принципиальный, честный и добросердечный человек. Большой опыт и преданность своему делу позволили Гулнисе получить очень много почетных грамот и наград таких как -заслуженный деятель образования. В поисках дополнительного источника дохода для своей семьи, в 2004 году Гулниса начала свой бизнес в откорме скота. Стартовав с 30,000 сом (KGS), на сегодняшний день её хозяйство приносит ежемесячную прибыль в сумме 8,000 сом (KGS). В хозяйстве у Гулнисы имеется: 1 дойная корова, 1 теленок, и овцы. Также имеет земельный надел размером 2, 15 ГА, где в основном выращивают фасоль. На арендованном земельном наделе, размером 5 ГА выращивает клевер. Доходы от бизнеса Гулниса вложила в оплату за образование своих детей. Для дальнейшего развития своего хозяйства, Гулниса обратилась в Микрофинансовый банк «Бай – Тушум и Партнеры» за кредитом в сумме 70,000 сом (KGS) на закупку скота. Доходы от кредита Гулниса планирует использовать для увеличения поголовья скота и хочет построить дополнительный сарай для содержания скота.

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
  • 67
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Gulnisa to buy livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 29, 2013
Aug 8, 2013
Currency Exchange Loss:
Jan 18, 2015