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Bakhtygul is 51 years old, married and has three children (two sons and a daughter). Bakhtygul has a high school education and worked as district post delivery worker. At this time, she is retired.

Her husband works in a high school as a music teacher. Bakhtygul takes her husband to work and leads him home from work since he is disabled and has been unable to see since birth. The two older children live separately and the youngest lives with his parents and helps around the farm.

In 1996, Bakhtygul started her own business fattening livestock. Starting with 4,000 som (KGS), today her farm brings in a monthly income of 2,000 som (KGS). On her farm, Bakhtygul has: two dairy cows, two bulls, 15 sheep, and ten goats. Bakhtygul invest income from the business to pay for the education of her children.

To further develop her farm, Bakhtygul turned to the microfinance bank Bai-Tushum and Partners for a loan of 80,000 som (KGS) to buy livestock. Bakhtygul plans to use income from the loan to increase the number of livestock and intends in the future to build a home for her son.
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Бактыгул 51 год, замужем и имеет 3 детей (2 сына и 1 дочь). Бактыгул имеет среднее образование, работала в районной почте-почтальоном. В данное время на пенсии. Супруг работает в средней школе- учителем музыки, Бактыгул водит на работу мужа и приводит с работы, так как он инвалид, не видит с рождения. Двое старших детей проживают отдельно, самый младший живет с родителями и помогает по хозяйству. С 1996 года Бактыгул начала свой бизнес в откорме скота. Стартовав с 4,000 сом (KGS), на сегодняшний день её хозяйство приносит ежемесячную прибыль в сумме 2,000 сом (KGS). В хозяйстве у Бактыгул имеется: 2 дойные коровы, 2 бычка, 15 овец, 10 коз. Доходы от бизнеса Бактыгул вложила в оплату за образование своих детей. Для дальнейшего развития своего хозяйства, Бактыгул обратилась в Микрофинансовый банк «Бай – Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS) на закупку скота. Доходы от кредита Бактыгул планирует использовать для увеличения поголовья скота и намерена в будущем построить дом для сына.

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
  • 37
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,538,475
    Funds lent in using Kiva
  • 49.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,650 helped Bakhtygul to buy gobies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Aug 15, 2013
Currency Exchange Loss:
Sep 17, 2014