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Apiza is 57 years old, divorced and is raising two children. Apiza has higher education. She does animal husbandry as a main source of income for her family which she started 24 years ago with the purchase of cattle for an amount of 8,000 som (KGS). Thanks to her hard work Apiza now has four milk cows, thirty sheep and also a plot of land in the size of 1.5 hectares where he annually grows corn, sunflower and potatoes. The additional source of income comes from her oldest son who is working in Russia. He sends his salary to his mother monthly to support the family. Apiza's monthly income is 10,000 KGS. With the purpose to further grow her business Apiza has come to the microfinance bank Bai Tushum and Partners for a loan in the amount of 80,000 KGS to buy cows for feeding and resale. She plans to invest the income from the loan into further increase of the headcount of livestock and plans to save money to repair the house.
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Апиза 57 лет,разведена, одна воспитывает 2 детей. У Апизы - высшее образование, в качестве основного дохода для своей семьи, Апиза занимается животноводством и полеводством, стартовав 24 года назад, с покупки скота на 8,000 сом KGS. Благодаря упорному труду Апизы, в ее хозяйстве на сегодняшний день имеется: 4 дойные коровы, 30 овец, а также имеет земельный надел размером 1,5 ГА, на которой она ежегодно выращивает: кукурузу, подсолнечник, картофель. Дополнительным доходом являются заработки старшего сына, который находится в России. Он ежемесячно высылает свою зарплату матери для поддержания семьи. Ежемесячный доход Апизы составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Апиза обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 80,000 сом (KGS) на покупку коров с дальнейшим откормом и перепродажей. Доходы от кредита Апиза планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на ремонт дома.

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
  • $12,014,625
    Funds lent in using Kiva
  • 48.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,650 helped Apiza to buy cows for fattening and resale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 26, 2013
Sep 6, 2013
Currency Exchange Loss:
Jul 17, 2014