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Tamara is 45 years old, married, and the mother of four children. She has a specialized secondary education. She gets very good reviews from her neighbors who describe her as a kind and hardworking woman.

Tamara has been involved in animal husbandry since 1990, thus providing her family with its main source of income. She started in this business with 10,000 som (KGS). Thanks to her hard work, she has managed to develop her activity and increase her livestock headcount. She now owns 20 sheep and makes close to 15,000 som (KGS) per month, which are essentially used to cover her family's food expenses as well as their daily needs.

With the income from her business, Tamara has opened a retail outlet. In order to further develop this activity, she has turned to the microfinance bank "Bai Tushum & Partners" for a loan in the amount of 130,000 som (KGS) which will be used to buy school uniforms for resale.

Tamara plans to invest her earnings from this loan into further increasing her business. She also plans to provide a good education to her children.
View original language description ↓
Тамаре 45 лет, замужем. Имеет четверых детей. У Тамары средне-специальное образование, имеет очень хорошие отзывы от своих соседей. Они отзываются о ней как о доброй и трудолюбивой женщине. Тамара в качестве основного дохода для своей семьи, с 1990 года занимается животноводством, начав этот бизнес с 10,000 сом KGS. Благодаря упорному трудуТамары, она смогла развить и и увеличить поголовье скота, ее деятельность приносит около 15,000 сом KGS в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи. В хозяйстве у нее имеется: 20 овец. Доходы от бизнеса позволили Тамаре открыть торговую точку. В целях дальнейшего развития своего бизнеса, Тамара обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на покупку школьной формы для дальнейшей перепродажи. Доходы от кредита Тамара планирует вложить в дальнейшее увеличение своего бизнеса, а также дать достойное образование детям.

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
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,675 helped Tamara to buy school uniforms for resale.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Aug 2, 2013
Aug 13, 2013
Currency Exchange Loss:
Nov 17, 2014