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Gulnara is 39 years old and she is married with two sons. She has been working as a shopkeeper since 2000. Until 2012 she sold mensware, but for the last year she has been selling children's toys, starting with a sum of 50,000 som (KGS). Gulnara has been able to increase her business to a monthly income of about 15,000 som. With the goal of expanding her assortment of goods, especially with the upcoming New Year's holiday, Gulnara has turned to "Bai-Tushum and Partners" for a loan to buy new types of toys for her retail business. She is sure that by expanding her assortment of goods, she will have a chance to increase her income. Gulnara plans to use part of this income to make repairs to her home, and the other part she plans to further increase her assortments of goods.
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Гульнаре 39 лет, замужем, вместе с супругом воспитывает 2 сыновей. Гульнара с 2000 года занимается торговлей, до 2012 года торговала мужскими вещами, уже год как торгует детскими игрушками, стартовав с суммой в 50,000 сом (KGS), Гульнара сумела развить свой бизнес с ежемесячным доходом в сумме около 15,000 сом. В целях расширения ассортимента товаров, а именно на предстоящие новогодние праздники Гульнара запланировала расширение ассортимента товаров Гульнара обратилась в компанию «Бай – Тушум и Партнеры» за кредитом на покупку новых видов игрушек для розничной торговли. Гульнара уверена, что с расширением товара у нее появится возможность получения дополнительной прибыли. Часть полученных доходов Гульнара планирует вложить в ремонт дома, часть – в дальнейшее увеличение ассортимента товара.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 49.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Gulnara to buy toys wholesale to sell at her stand.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Dec 13, 2013
Dec 21, 2013
Currency Exchange Loss:
May 17, 2015