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Elmira is 49 years old. She is married and she and her husband are raising two children. She has secondary-level education, having graduated technical college where she majored in sewing. She worked as a seamstress for 2 years, then she got married and since then has spent 23 years rearing animals and developing crops. She started this business with 5,000 Kyrgyz soms. She has been able to develop her livestock and farming activities. On her farm she has two calves and six sheep and also has a 1.8 hectare patch of land, on which she grows beans and clover.

Elmira's husband works transporting goods for their fellow villagers and he receives a small income. The monthly total profit is 13,000 som. With the goal of further developing her farm Elmira turned to the microfinance bank Bai Tushum and Partners for a loan of 120,000 soms to buy bull-calves. Elmira plans to spend the income gained from the loan on increasing her quantity of livestock. The profit could also be used to be put towards a dowry for her daughter.
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Элмире 49 года, замужем, вместе с супругом воспитывают 2 детей. Образование-средне-специальное, окончила техникум по специальности технолог швейных машин. Работала швеей на протяжении 2 лет, затем вышла замуж и после замужества на протяжении 23 лет занимается полеводством и животноводством, начав этот бизнес с суммы 5,000 сом (KGS). На сегодняшний день она смогла развить животноводческую и полеводческую деятельность. В хозяйстве у нее имеется: 2 теленка и 6 овец, а также имеется земельный надел мерою 1,80 ГА на котором она ежегодно выращивает фасоль и клевер. Супруг Элмиры оказывает услуги односельчанам при перевозке грузов и имеет небольшой доход. Ежемесячная совокупная прибыль 13,000 сом (KGS). В целях дальнейшего развития своего хозяйства и полеводства Элмира обратилась в Микрофинансовый Банк «Бай-Тушум и Партнеры» за кредитом в сумме 120,000 сом (KGS) на покупку бычков. Доходы от кредита Элмира планирует направить на увеличение поголовья скота, а также полученная прибыль поможет приготовить приданое для дочери на свадьбу.

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
  • 83
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,906,850
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,475 helped Elmira to buy bull-calves.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Nov 23, 2013
Currency Exchange Loss:
Dec 17, 2015