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Maral is 34 years old, married, and is raising three children with her husband. Maral has a high school education, and to earn the primary source of income for her family she practices animal husbandry. She started this work 15 years ago with the purchase of 20,000 som (KGS) of livestock. Thanks to her tireless work she now owns eight milk cows. She has everything needed to raise animals, including 600 bales of ready feed. With eight milk cows she sells 80 liters of milk per day to wholesale buyers. Her monthly income is 20,000 som (KGS). With the goal of further developing her business, Maral contacted the microfinance bank Bai-Tushum and Partners for a loan to buy cows to increase her herd. She plans to invest earnings from use of the loan into further expanding her herd of livestock, and also plans to save money for her children's future education.
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Марал 34 года, замужем, вместе с супругом воспитывают 3 детей. У Марал - среднее образование, в качестве основного дохода для своей семьи Марал занимается животноводством, стартовав 15 лет назад, с покупки скота на 20,000 сом KGS. Благодаря упорному труду Марал, в ее хозяйстве на сегодняшний день имеется: 8 дойные коров. Имеет все условия для содержания скота, заготовлены корма около 600 тюков. С восьми дойных коров сдает ежедневно 80 литров молока оптовым покупателям. Ежемесячный доход составляет 20,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Марал обратилась в Микрофинансовый банк «Бай –Тушум и Партнеры» за кредитом - на покупку коров для увеличения поголовья скота. Доходы от кредита Марал планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на дальнейшее обучение 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
  • 58
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 50.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Maral to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 30, 2013
Jan 25, 2014
Currency Exchange Loss:
Jan 18, 2015