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Gulayim is 40 years old, married and has four children (three sons and one daughter). In search of income for her family, Gulayim has been working with field crop cultivation and livestock breeding since 2005. She started the business with 3,000 som (KGS). Thanks to her hard work and large capacity, Gulayim was able to achieve some progress in developing the business and has reached a monthly income of the amount of 3,000 som (KGS).

Currently Gulayim has two dairy cows, two bulls and 18 sheep on her farm. She also has a small plot of land, where she grows tomatoes, cucumbers, onions, cabbage and potatoes - for own consumption and for selling.

Gualyim's husband works with road maintenance management, doing piecework. Two of the sons help with the farm. The eldest son lives in the capital of Kyrgyzstan. He works in a bank and helps the family financially, sending his monthly income to them.

With an aim to further develop her business, Gulayim turned to "Bai Tushum & Partners" for a loan in the amount of 50,000 som (KGS) for the purchase of a cow. Gulayim plans to invest the income from the loan in further developing her small business, and she also plans to open a small vegetable store in the future.
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Гулайым, 40 лет, замужем, имеет 4 детей (3 сына и 1 дочь). В поиске доходов для своей семьи Гулайым с 2005 года стала заниматься полеводством и животноводством. Бизнес начала с 3,000 сом (KGS). Благодаря ее непосильному труду и емкой работе Гулайым достигла небольших успехов в развитии хозяйства и стала получать ежемесячную прибыль в сумме 3,000 сом (KGS). На сегодняшний день в хозяйстве Гулайым имеется: 2 дойные коровы, 2 бычка, 18 овец. Также имеет небольшую земельную долю, на которой выращивает: помидоры, огурцы, лук, капусту, картошку- для своего употребления, а также на продажу. Супруг работает в дорожно-эксплуатационном управлении,зарплата у него сдельная. По хозяйству помогают 2 сына. Самый старший сын находится в столице Кыргызстана, работает в Банке, помогает материально, высылая ежемесячно свою зарплату семье. В целях дальнейшего развития своего хозяйства, Гулайым обратилась в «Бай-Тушум и Партнеры» за кредитом в сумме 50 000 сом (KGS) на покупку коров. Доходы от кредита Гулайым планирует вложить в дальнейшее развитие своего небольшого хозяйства, а также в будущем планирует открыть овощной магазин.

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
  • 80
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Gulayim to purchase cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 29, 2013
Aug 13, 2013
Currency Exchange Loss:
Aug 17, 2014