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Nurgul is 46 years old, divorced, and has two children. Nurgul has a specialized high school education. As the main source of income for her family, Nurgul has been involved since 2010 in selling cosmetics, having started this business with 10,000 som KGS. Thanks to her hard work, Nurgul was able to develop and grow her trade. Her activities bring in about 10,000 som KGS monthly, which provide the basis for food and household expenses for the family. Profits from the business allowed Nurgul to expand her inventory.

With the aim of further developing her business, Nurgul appealed to the microfinance bank Bai-Tushum and Partners for a loan of 10,000 som (KGS) to buy cosmetics for subsequent resale.

Income from the loan will help Nurgul to expand her inventory, and similarly the resulting profit will help to raise and educate her children in good conditions.
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Нургул 46 лет, разведена, имеет 2 детей. У Нургул средне-специальное образование. Нургул в качестве основного дохода для своей семьи, с 2010 года занимается торговлей косметики, начав этот бизнес с 10,000 сом KGS. Благодаря упорному труду Нургул, она 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 Нургул расширить свой товарооборот. В целях дальнейшего развития своего бизнеса, Нургул обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 10,000 сом (KGS) на покупку косметики для дальнейшей перепродажи. Доходы от кредита помогут Нургул увеличить товарооборот, а также полученная прибыль поможет растить и обучить детей 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
  • 56
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Nurgul to conduct cosmetics sales.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 17, 2013
Sep 13, 2013
Currency Exchange Loss:
Mar 17, 2014