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Zarakhan is 54 years old, married, and has two children (one son and one daughter). Zarakhan has secondary education. As a person she is hard working, and has an optimistic view on life.

As a main income for her family, Zarakhan has been working with selling men's and women's clothing since 1995, after having started this business with 3,000 som (KGS). She has a rented retail space at the central market. Her husband helps with the business. He brings goods from wholesale markets, while Zarakhan sells them as retail goods.

Thanks to Zarakhan and her husband's persistent and coordinated work, they have been able to develop and broaden their assortment of goods. Zarakhan's business brings in around 10,000 som (KGS) per month, which serves as the basis to cover the family's food expenses and household needs. The income from the business allowed Zarakhan to increase her turnover.

With an aim to further develop her business, Zarakhan turned to the microfinance bank "Bai Tushum & Partners" for a loan in the amount of 50,000 som (KGS) to purchase men's and women's clothing for reselling. The income from the loan will help Zarakhan increase her turnover and the income received also helps her pay for her son's tuition for education under good conditions.
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Зарахан 54 года, замужем, имеет 2 детей (1 сын и 1 дочь). У Зарахан среднее образование. По характеру трудолюбивая, оптимистично настроена на жизнь. Зарахан в качестве основного дохода для своей семьи, с 1995 года занимается торговлей мужской и женской одежды, начав этот бизнес с 3,000 сом KGS. Торговое место в центральном рынке у нее арендованное. Супруг помогает по бизнесу, привозит товар с оптовых рынков, Зарахан реализует свой товар в розницу. Благодаря упорному труду и слаженной работе с супругом Зарахан смогла развить и расширить свой товар, ее деятельность приносит около 10,000 сом KGS в месяц, что служит основой для покрытия расходов на питание и бытовые нужды семьи. Доходы от бизнеса позволили Зарахан расширить свой товарооборот. В целях дальнейшего развития своего бизнеса, Зарахан обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку мужской и женской одежды для дальнейшей перепродажи. Доходы от кредита помогут Зарахан увеличить товарооборот, а также полученная прибыль поможет в оплате обучения сына в хороших условиях.

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
  • 35
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,533,825
    Funds lent in using Kiva
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Zarakhan to purchase clothes for reselling.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 13, 2013
Currency Exchange Loss:
Aug 17, 2014