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Shavraly is 65 years old, married, and has four children. His wife is a housewife and she helps him with his business. They are both on a pension, but they do not sit idly by. In search of a source of income for his family, Shavraly started working with field crop cultivation and livestock breeding in 1993. Having started with a sum of 30,000 som (KGS), his business currently brings in a monthly profit of around 9,000 som (KGS). His business includes three horses, four dairy cows with offspring and 60 sheep.

Shavraly also has a plot of land of the size of 2.40 hectares, where he mainly grows beans and perennial grasses. The eldest son, who is a migrant worker in Russia, also sends additional financial aid.

To further develop his business, Shavraly turned to the microfinance bank "Bai Tuhsum & Partners" for a loan in the amount of 40,000 som (KGS) to purchase sheep. Shavraly plans to spend the income from the loan on increasing the number of livestock.
View original language description ↓
Шавралы 65 лет, женат и имеет 4 детей. Супруга домохозяйка помогает ему по хозяйству. Они оба на пенсии, но не сидят сложав руки. В поисках источника дохода для своей семьи, в 1993 году Шавралы начал заниматься полеводством и животноводством. Стартовав с 30,000 сом (KGS), на сегодняшний день его хозяйство приносит ежемесячную прибыль в сумме 9,000 сом (KGS). В хозяйстве содержит: 3 лошади, 4 дойные коровы с телятами, 60 овец. Также имеет земельный надел размером 2,40 ГА, где в основном выращивает -фасоль и многолетние травы. Дополнительно материальная помощь высылается старшим сыном, который находится на заработках в России. Для дальнейшего развития своего хозяйства, Шавралы обратился в Микрофинансовый банк «Бай – Тушум и Партнеры» за кредитом в сумме 40,000 сом (KGS) на закупку овец. Доходы от кредита Шавралы планирует использовать для увеличения поголовья 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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,011,950
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Shavraly to purchase sheep.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 30, 2013
Aug 8, 2013
Currency Exchange Loss:
Feb 17, 2015