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Nazilkan is 55 years old, a widow and raising four children by herself. She has a secondary education and has been involved in sewing for 15 years. She makes and sells national goods, clothing and dowry for brides. She has a lot of work experience in this business. Nazilkan gained sufficient experience and clients in this business. Nazilkan had her own small, national-dress sewing factory at the central market, which provided 15 jobs for people. The business was running well, but a fire happened inside the factory on January 28, 2013. It was impossible to put the fire out in time, and the business burned down completely, including the factory itself, equipment, materials, fabrics and accessories. Luckily, none of the people were hurt. Nazilkan did not give up in this difficult situation. She strongly got through this and then, putting all of her efforts together, started to work hard to restore her business. The multi-year experience, strong character and relatives helped Nazilkan to get back on her feet. Eight months have passed since the fire, and Nazilkan was able to install a new a container, where 4 seamstresses work. The business is gradually improving, and Nazilkan dreams to further develop and strengthen her business. Nazilkan needs money to purchase fabrics for sewing national clothing and increase her goods turnover. Having heard about the favorable Kiva “Force-Major” program, Nazilkan requested a loan in the amount of 100,000 som (KGS) from the microfinance bank “Bai-Tushum and Partners” to purchase fabrics for sewing national goods. Based on her business plan, Nazilkan would earn about 20,000 KGS per month. She plans to invest the earnings into further increasing her business. Nazilkan is very happy that this program exists and thanks all of the Kiva and microfinance bank “Bai-Tushum and Partners” investors.
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Назилкан 55 лет, вдова, одна воспитывает четверых детей. Назилкан имеет среднее образование, на протяжении 15 лет занимается швейным производством. Изготавливает и реализовывает национальные изделия, одежду, приданное для невест. Имеет большой опыт работы в данной сфере. Назилкан наработала достаточный опыт и клиентов в своей сфере. На центральном рынке, по месту своего проживания, Назилкан имела свой небольшой цех по пошиву национальных изделий и предоставляла 15 рабочих мест для населения. Бизнес шел успешно, но 28 января 2013 года произошел пожар внутри цеха, пожар не удалось погасить во время, и бизнес клиента полностью сгорел, а это: сам цех, оборудования, материалы, ткани, фурнитура. К счастью, никто из людей не пострадал. Но Назилкан не сдалась в такой тяжелой ситуации, она стойко и мужественно все это перенесла, а потом собрав все свои силы вновь упорно стала работать над восстановлением своего бизнеса. Многолетний опыт, мужественный характер и близкие помогли Назилкан встать на ноги. После пожара прошло 8 месяцев, Назилкан за это время смогла установить новый контейнер, в котором работают 4 швеи. Бизнес постепенно налаживается, Назилкан мечтает и дальше развить и укрепить свой бизнес, а для продвижения бизнеса Назилкан нуждается в денежных средствах для покупки тканей для пошива национальной одежды, словом она хочет пополнить и увеличить товарооборот. Назилкан услышав о льготной программе КИВА "Форс-Мажор" обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку тканей для пошива национальных изделий. Изучив бизнес план Назилкан: она сможет получать около 20,000 KGS в месяц. Доходы от кредита Назилкан планирует вложить в дальнейшее увеличение своего бизнеса. Назилкан очень рада, что существует такая программа, и благодарит всех инвесторов КИВА и Микрофинансовый банк «Бай –Тушум и Партнеры».

Additional Information

More information about this loan

This loan is part of Bai Tushum's program targeting individuals and communities affected by crises like violence during political events, natural disasters, severe weather conditions, or animal epidemics. These communities need to restore lost business or reconstruct damaged property. The program includes up to 15% reduction in annual interest rates and a 5% rebate at the end of loan terms if all repayments are made on time. By funding this loan, you are helping to build opportunities for vulnerable populations. These initiatives are aimed at reducing social and ethnic tensions by creating jobs, and supporting self-employment and growth of income. 

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
  • 38
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,873,450
    Funds lent in using Kiva
  • 48.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,075 helped Nazilkan to buy fabrics for sewing national goods.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 10, 2013
Oct 4, 2013
Currency Exchange Loss:
Nov 17, 2015