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Janyl is 39 years old, married, and with her spouse is raising 5 children. Janyl has a high school education, and to earn her family's sole source of income she farms and raises animals. She started 19 years ago with the purchase of animals for 5,000 som (KGS). Thanks to her tireless work, Janyl now owns three dairy cows and 1.20 hectares of arable land on which she grows beans, peppers, and clover each year. Her monthly income is 9,000 som (KGS). In order to further develop her business, Janyl is asking the microfinance bank Bai-Tushum and Partners for a 100,000 som (KGS) loan to buy cows to expand her herd. She plans to use profit from use of the loan to invest in further growing her livestock herd. She also plans to save for her children's educations.
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Жаныл 39 лет, замужем, вместе с супругом воспитывают 5 детей. У Жаныл - среднее образование, в качестве основного дохода для своей семьи Жаныл занимается животноводством и полеводством, стартовав 19 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Жаныл, в ее хозяйстве на сегодняшний день имеется: 3 дойные коровы, а также имеет 1,20 ГА земельной доли, на которой ежегодно выращивает фасоль, перец и клевер. Ежемесячный доход составляет 9,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Жаныл обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку коров для увеличения поголовья скота. Доходы от кредита Жаныл планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на дальнейшее обучение детей.

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
  • 41
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,530,050
    Funds lent in using Kiva
  • 48.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,075 helped Janyl to buy cows.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 31, 2013
Nov 12, 2013
Currency Exchange Loss:
May 17, 2015