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Gulkhan is 54 years old, married, and has four children with her husband. The two eldest, daughters, are married, and the two sons are working in Russia at a furniture factory and help their parents financially. Gulkhan's husband works at a mercury factory as a mechanic. Gulkhan has a high school education. To earn the family's primary source of income she practices animal husbandry, which she began 19 years ago with 5,000 som (KGS) worth of livestock. Thanks to her tireless work Gulkhan now owns three milk cows and two sheep. Her monthly income is 15,000 som (KGS). With the goal of further expanding her business she contacted the microfinance bank Bai-Tushum and Partners for a loan to buy cows for fattening and resale at the market for a profit. She plans to invest earnings from use of the loan into continued expansion of her herd.
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Гулхан 54 года, замужем, вместе с супругом воспитывают 4 детей. Две старшие дочери замужем, 2 сына находятся на заработках в России, работают в мебельном цеху, помогают родителям материально. Супруг работает на ртутном комбинате, в качестве слесаря. У Гулхан - среднее образование, в качестве основного дохода для своей семьи Гулхан занимается животноводством, стартовав 19 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Гулхан, в ее хозяйстве на сегодняшний день имеется: 3 дойные коровы, 2 овцы. Ежемесячный доход составляет 15,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гулхан 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 Гулхан 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
  • 68
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 50.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Gulkhan to buy cows for fattening and resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 21, 2014
Jan 25, 2014
Currency Exchange Loss:
Dec 17, 2014