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Zeynegul is 43 years old, married and raising three children. Her husband works as an electrician and receives a small salary, which is not enough to support the whole family. Therefore, as a main source of income for her family, Zeynegul decided to work with livestock breeding, like many other inhabitants in her village. She started 8 years ago with the purchase of livestock for 10,000 som (KGS), and she now has a good income.

Thanks to Zeynegul's persistent work, her farm currently has a dairy cow and 25 sheep, and also a plot of land of 1.60 hectares of land, on which she grows barley and hay. Zeynegul has good conditions for breeding cattle. Currently she and her family already prepared the fodder for her livestock: 2 carts of hay and 100 bundles of pressed hay. She also feeds the livestock with barley which she grows on her plot of land. The monthly income is 7,000 som (KGS).

With an aim to further develop her business, Zeynegul turned to the microfinance bank "Bai Tushum & Partners" for a loan to purchase foals for fattening and subsequently selling at the market, at a higher price. Zeynegul plans to invest the income from the loan in further increasing the number of livestock. She also intends to save money for purchasing a new car for her son.
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Зейнегул 43 года, замужем, воспитывает 3 детей. Супруг работает электриком, получает небольшую зарплату, которая недостаточна для содержания всей семьи, поэтому в качестве основного дохода для своей семьи Зейнегул, как и другие местные жители ее села, решила заняться животноводством, стартовав 8 лет назад, с покупки скота на 10,000 сом KGS. И у нее это неплохо получилось, благодаря упорному труду Зейнегул, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова и 25 овец, а также имеет земельный надел размером 1,60 ГА, на котором выращивает ячмень и сено. Все условия для содержания скота у Зейнегул имеются. На сегодняшний день Зейнегул со своей семьей уже заготовила корма для своего скота в виде: 2 тележек сена и 100 снопов прессованного сена, а также она кормит скот ячменем, который выращивает на своем же земельном наделе. Ежемесячный доход составляет 7,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Зейнегул обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом - на покупку жеребят для откорма с последующей реализацией на рынке по высокой цене. Доходы от кредита Зейнегул планирует вложить в дальнейшее приумножение количества домашней скотины, и намерена собрать средства на покупку автомашины для сына.

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
  • 48.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Zeynegul to buy foals for fattening and reselling.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Nov 26, 2013
Currency Exchange Loss:
Jun 17, 2015