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Oroskul is 46 years old, married and raising two children together with her husband. The children work at a market and help the parents financially. Oroskul has a secondary education. To provide the primary income for her family, she is involved in animal husbandry and farming, having started 14 years ago with a purchase of livestock with 10,000 som (KGS). Thanks to Oroskul's hard work, today her business contains 4 dairy cows and also a small land plot, wher she plants perennial herbs and sunflower (seeds). After picking the sunflower harvest (seeds), she processes it and makes sunflower oil for personal consumption. Oroskul has all of the necessary conditions for keeping livestock. They prepare hay and feed for the winter by themselves. The monthly income amounts to 15,000 som (KGS). In order to further develop her business, Oroskul requested a loan from the microfinance bank "Bai-Tushum and Partners" to buy cows for fattening up and subsequent resale at a market at a high price. She plans to invest the earnings from the loan into further increasing domestic livestock quantities.
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Ороскул 46 лет, замужем, вместе с супругом воспитывают 2 детей. Дети работают на рынке, помогают родителям материально. У Ороскул - среднее образование, в качестве основного дохода для своей семьи Ороскул занимается животноводством и полеводством, стартовав 14 лет назад, с покупки скота на 10,000 сом KGS. Благодаря упорному труду Ороскул, в ее хозяйстве на сегодняшний день имеется: 4 дойные коровы, а также имеет небольшой земельный надел на котором сажает многолетние травы, подсолнух (семечки). После сбора урожая подсолнуха (семечек), перерабатывает и производит подсолнечное масло для личного использования. Для содержания скота у Ороскул имеются все необходимые условия. Сено и корма на зимний период заготавливают сами. Ежемесячный доход составляет 15,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Ороскул 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 Ороскул планирует вложить в дальнейшее приумножение количества домашней скотины.

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
  • 63
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 49.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Oroskul to buy cows for fattening up and subsequent resale.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Dec 13, 2013
Dec 20, 2013
Currency Exchange Loss:
Jan 18, 2015