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Karamat is a 66 year-old widow. After her husband's death, she raised two children on her own. Her eldest son helps with the housework and also provides transport services for the local population. Her youngest son is a foreign worker in Russia, and is helping financially. Karamat has a secondary education.

The primary source of income for her family is a livestock business, which she started 18 years ago with the purchase of a cow for 5,000 KGS. Through hard work, Karamat's farm now has three milk cows and four sheep. Her monthly income is 5,000 KGS. In order to grow her business, Karamat applied for a 100,000 KGS loan from microfinance bank Bai Tushum and Partners in order to purchase cows to raise and then resell on the market at a higher price. Karamat plans to invest the income from the loan to increase the number of domestic animals she owns, and hopes to improve her living conditions.
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Карамат 66 лет, вдова, после смерти мужа сама воспитала двоих детей, старший сын помогает по хозяйству и также занимается оказанием пассажирских услуг для местного населения, младший сын находится на заработках в России, помогает материально. У Карамат - среднее образование, в качестве основного дохода для своей семьи Карамат решила заняться животноводством, стартовав 18 лет назад с покупки скота на 5,000 сом KGS. Благодаря упорному труду Карамат, в ее хозяйстве на сегодняшний день имеется: 3 дойные коровы, 4 овцы. Ежемесячный доход составляет 5,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Карамат обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 100,000 сом (KGS) на покупку коров для откорма с последующей реализацией на рынке по высокой цене. Доходы от кредита Карамат планирует вложить в дальнейшее приумножение количества домашней скотины, а также мечтает улучшить условия проживания.

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
  • 54
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,897,275
    Funds lent in using Kiva
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Karamat to buy cows to feed and resell.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 16, 2013
Nov 24, 2013
Currency Exchange Loss:
Sep 17, 2014