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Elmira is 44 and married with five children. She is a happy mother as she has raised her children well: her oldest son is working in Russia, her daughter helps her mother around the house, and the remaining children are still in school. Her husband is a taxi driver, taking passengers from village to village.

Elmira has a high school education and works in animal husbandry as the primary source of income for her family, a business she began 14 years ago with the purchase of livestock for 20,000 KGS. Thanks to her hard work she now has two milk cows, one horse, two bulls and three sheep, with a monthly income of 13,000 KGS.

With the goal of further developing her business, Elmira has turned to bank Bai Tushum for a loan to purchase cows to increase her head count of livestock. She plans to invest profits from the loan into further augmenting the size of her herd, as well as saving toward her children's education.
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Элмире 44 года, замужем, вместе с супругом воспитывают 5 детей. Элмира счастливая мама, так как достойно воспитывает детей, старший сын находится на заработках в России, дочь-домохозяйка, помогает матери по хозяйству, остальные дети школьного возраста. Супруг-таксист, занимается перевозкой пассажиров по селам. У Элмиры - среднее образование, в качестве основного дохода для своей семьи Элмира занимается животноводством, стартовав 14 лет назад, с покупки скота на 20,000 сом KGS. Благодаря упорному труду Элмиры, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 1 лошадь, 2 бычка, 3 овцы. Ежемесячный доход составляет 13,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Элмира обратилась в Банк «Бай –Тушум» за кредитом - на покупку коров для увеличения поголовья скота. Доходы от кредита Элмира 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
  • 56
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 50.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,975 helped Elmira to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 23, 2014
Feb 1, 2014
Currency Exchange Loss:
Feb 17, 2015