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Toraim is a 47 year old widow and is raising her five children alone. After the death of her husband Toraim's family lost their main provider. After asking her children for advice, Toraim agreed to send her eldest son and his wife to Russia for work. Her son and daughter-in-law live and work in Russia and send a part of their earning back to the family every month. The rest of the children still live with Toraim and help around the house. Toraim has a high school degree and she manages dairy business, which is the main source of income for the family. The dairy business was started 18 years ago with a purchase of a cow with 8,000 som (KGS). Toraim's hard work has grown the herd and the family now owns 8 milk cows. Toraim and her daughters milk all the cows and sell the milk. The monthly income from the farm is 10,000 som (KGS). In order to further expand her herd, Toraim has turned to the micro-finance bank "Bai Tushum and partners" for a loan which she will use to buy another milk cow. She will use the profits from the loan to buy more livestock and save money to improve her family's well-being.
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Тораим 47 лет, вдова, одна воспитывает 5 детей. После смерти мужа, Тораим потеряла главного кормильца ее большой семьи. И посовещавшись со своими детьми, решила отправить старшего сына вместе с его супругой в Россию на заработки. Сын и невестка работают и живут в России, ежемесячно высылают часть своих заработанных денег семье в Кыргызстан. Остальные дети проживают с Тораим и помогают по хозяйству. У Тораим - среднее образование, в качестве основного дохода для своей семьи Тораим занимается животноводством, стартовав 18 лет назад, с покупки скота на 8,000 сом KGS. Благодаря упорному труду Тораим, в ее хозяйстве на сегодняшний день имеется: 8 дойных коров. Тораим сама доит коров, а дочери помогают ей в этом. Молоко они сдают реализаторам. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Тораим обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом - на покупку одной коровы для увеличения поголовья скота. Доходы от кредита Тораим планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на улучшение благосостояния своей семьи.

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
  • 38
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,879,225
    Funds lent in using Kiva
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Toraim to buy a milk cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 26, 2013
Currency Exchange Loss:
May 17, 2015