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Makhburat is 42 years old and married. They are raising four children. The three youngest children are in elementary school, while the oldest daughter in a higher grade.

Makhburat has a high school education. She raises livestock as the primary income for the family. She started twenty years ago by buying cattle for 5,000 KGS. Due to her hard work, she now has three dairy cows and farms their own 0.8-hectare plot of land. She also rents 2.0 hectares for the villagers. Makhburat and her family grow cotton, squash, watermelons and tomatoes. To date they have cultivated 1.8 tons of cotton. Their monthly income is 10,000 KGS.

To improve their living conditions, Makhburat took a loan from the micro-finance organization, Bai-Tushum and Partners, to buy cows to fatten and sell on the market for a profit. Makhburat will use the profit to invest in her herd and educate her children.
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Махбурат 42 года, замужем, вместе с супругом воспитывают 4 детей. Старшая дочь-студентка, остальные дети-школьники. У Махбурат - среднее образование, в качестве основного дохода для своей семьи Махбурат занимается животноводством, стартовав 20 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Махбурат, в ее хозяйстве на сегодняшний день имеется: 3 дойные коровы, а также обрабатывают принадлежащую поливную земельную долю 0,80 ГА и арендуют у односельчан 2,0 ГА. Махбурат и ее семья на указанных землях выращивают- хлопок, тыкву, арбузы, помидоры. На сегодняшний день в хлопкоперерабатывающий завод сдано 1,80 тонн хлопка. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Махбурат обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом- на покупку коров для откорма с последующей реализацией на рынке по высокой цене. Доходы от кредита Махбурат планирует вложить в дальнейшее приумножение количества домашней скотины, также обучить детей.

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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 49.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,250 helped Makhburat to buy cows for fattening and resale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 9, 2013
Dec 19, 2013
Currency Exchange Loss:
Jul 17, 2015