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Gulmira is 48 years old, married, and has two children (one daughter and one son) with her husband. In 1997, she started her business selling cosmetics and household chemicals. She started her business with 1,000 KGS start-up capital. Since she managed to grow her business and find loyal customers, Gulmira now has an average monthly income of 22,000 KGS. Thanks her hard work, Gulmira managed to increase sales and grow her business. In order to further improve and expand her business, Gulmira asked the microfinance bank Bai Tushum and Partners for a loan in the amount of 130,000 KGS to increase sales. Gulmira plans to invest her profits from the loan into the business and save money on a wedding celebration for her son.
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Гульмире 48 лет, замужем, вместе с супругом воспитывает двоих детей (1 дочь, 1 сын). В 1997 году, начала бизнес в торговле косметикой и мыломоющими средствами, используя в качестве стартового капитала сумму в 1,000 сом (KGS). Сумев развить свой бизнес и обретя постоянных клиентов, Гульмира имеет среднемесячный доход в сумме 22,000 сом (KGS). Благодаря упорному труду в бизнесе, Гульмира смогла увеличить товарооборот и развить свой бизнес. В целях дальнейшего увеличения и расширения своего бизнеса, Гульмира обратилась в Микрофинансовый банк «Бай-Тушум и Партнеры» за кредитом в сумме 130,000 сом (KGS) на увеличение товарооборота. Доходы от кредита Гульмира планирует вложить в товарооборот и накопить деньги на проведение свадебного торжества 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
  • $11,533,000
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD
A loan of $2,675 helped Gulmira to buy cosmetics and household chemicals.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 4, 2013
Oct 9, 2013
Currency Exchange Loss:
Nov 8, 2013