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Kulnara is 51 years old, married and raising a daughter together with her husband. Kulnara has a secondary education. To provide the primary income for her family, Kulnara is involved in animal husbandry and farming, having started 16 years ago with a purchase of livestock with 35,000 som (KGS). Thanks to Kulnara's hard work, today her business contains 4 dairy cows, 1 horse, 5 sheep, chickens and also has 1.5 hectares of land, where she annually grows potatoes and sows cereal crops. The monthly income amounts to 8,000 som (KGS). In order to further develop her business, Kulnara requested a loan in the amount of 35,000 som (KGS) from the microfinance bank "Bai-Tushum and Partners" to buy a cow in order to increase livestock headcount. Kulnara plans to invest the earnings from the loan into further increasing domestic livestock quantities.
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Кульнаре 51 год, замужем, вместе с супругом воспитывают 1 дочь. У Кульнары - среднее образование, в качестве основного дохода для своей семьи Кульнара занимается животноводством и полеводством, стартовав 16 лет назад, с покупки скота на 35,000 сом KGS. Благодаря упорному труду Кульнары, в ее хозяйстве на сегодняшний день имеется: 4 дойные коровы, 1 лошадь, 5 овец, куры, а также имеет 1,5 ГА земельной доли, на которой ежегодно выращивает картофель и сеет зерновые культуры. Ежемесячный доход составляет 8,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Кульнара обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 35,000 сом (KGS) на покупку коровы для увеличения поголовья скота. Доходы от кредита Кульнара планирует вложить в дальнейшее приумножение количества домашней скотины.

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
  • 48.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Kulnara to buy a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 10, 2013
Oct 29, 2013
Currency Exchange Loss:
Nov 17, 2014