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Astra is a 61 year old widow. After her husband's death, she alone raised their three children in addition to running her own business. Astra has a university education and she worked as a merchandise expert for a long time. She is now retired but runs a business at home. Her family's main income is Astra's animal husbandry business, which she started 23 years ago with the purchase of 10,000 somi (KGS) worth of cattle. As a result of her hard work, today Astra has 2 milking cows, 1 calf, 2 sheep, as well as 1.70 HA of land where every year she grows potatoes. Her monthly income comes to 15,000 somi (KGS).

With an aim to developing her business further, Astra applied to microfinance bank Bai Tushum & Partners for a loan of 50,000 somi (KGS) to help her with the harvest. More precisely, she intends to collect the harvest with hired labor. She will hire several people who will help her collect the harvest and she wants to pay them for their work. Astra plans to invest the profits from her loan in further increasing the size of her herd and to save for her daughter's dowry.
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Астре 61 год, вдова, после смерти мужа сама воспитала троих детей, а также ведет свое хозяйство. У Астры- высшее образование, долгое время работала товароведом, в настоящий момент пенсионерка, занимается домашним хозяйством. В качестве основного дохода для своей семьи Астра занимается животноводством, стартовав 23 года назад, с покупки скота на 10,000 сом KGS. Благодаря упорному труду Астры, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 1 теленок, 2 овцы, а также имеет 1,70 ГА земельной доли, на которой ежегодно выращивает картофель. Ежемесячный доход составляет 15,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Астра обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на использование кредита на сбор урожая, а точнее Астра намерена собрать урожай картофеля с поля, с помощью рабочей силы. Для этого она наймет несколько человек, которые помогут ей собрать урожай и хочет оплатить за их труд. Доходы от кредита Астра планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на приготовление приданого для дочери.

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
  • 67
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 48.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Astra to pay for work of potatoes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 3, 2013
Oct 6, 2013
Currency Exchange Loss:
Nov 17, 2014