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Almagul is 52 years old, widowed, and is raising three children by herself. Almagul has a secondary education. She is a homemaker. After the death of her husband, it took her a long time to recover, as she had lost she the person closest to her and her family's breadwinner. Thanks to her children, she gradually came round. The first of the tasks and problems she needed to figure out was how to feed her children and family. She decided to take up animal breeding, as all of her fellow villagers do.

As the main source of income for her family, Almagul practices livestock breeding. She started this business 10 years ago, with an initial purchase of cattle in the amount of 20,000 som (KGS). Thanks to Almagul's hard work and the active assistance from her children, she currently has 2 calves and 40 sheep on her farm, as well as a 1.0 hectare plot of land on which she grows beans and potatoes. Her monthly income is 5,000 som (KGS). Almugal entered into the farming group "Zeta-2." There are already 2 people in this group; she is the third member.

For the purpose of further developing her business, Almagul turned to Microfinance Bank "Bai Tushum and Partners." She is requesting a loan in the amount of 50,000 som (KGS) to buy bulls to increase the size of her herd. Almagul plans to invest the earnings from the loan in the further acquisition of livestock. She also intends to save money to buy a plot of land.
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Алмагул 52 года, вдова, одна воспитывают 3 детей. У Алмагул - среднее образование, она домохозяйка, после потери мужа она долго не могла придти в себя, так как потеряла родного человека и кормильца семьи, благодаря своим детям она постепенно пришла в себя и первой ее задачей и проблемой было то, как прокормить детей и семью. И она решила заняться животноводством, как и все сельчане проживающие в одном селе вместе с ней. В качестве основного дохода для своей семьи Алмагул занялась животноводством, стартовав 10 лет назад, с покупки скота на 20,000 сом KGS. Благодаря упорному труду Алмагул и активной помощи ее детей, в ее хозяйстве на сегодняшний день имеется: 2 теленка и 40 овец, а также имеет земельный надел размером 1,0 ГА, на котором выращивает фасоль и картофель. Ежемесячный доход составляет 5,000 сом (KGS). Алмагул входит в группу "Зета-2", в эту группу входят еще 2 человека. Алмагул является третьим членом группы. В целях дальнейшего развития своего хозяйства, Алмагул обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом в сумме 50,000 сом (KGS) на покупку бычков для увеличения поголовья скота. Доходы от кредита Алмагул планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на покупку участка.

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
  • 48.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Almagul to buy bulls.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 6, 2013
Nov 26, 2013
Currency Exchange Loss:
Jun 17, 2015