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Ulpat is 57 years old, married, and the parent of seven children. All the children are married, live separately, self-sufficiently, and often visit their parents. Only the youngest son resides with the parents and helps around the farm.

Ulpat has a secondary education. She is retired and has the distinction of "Mother-Hero". As a main source of income for her family, Ulpat raises crops and livestock, having begun 33 years ago with 4,000 som KGS. Thanks to her hard work, Ulpat currently has: one dairy cow with calf, eight sheep, and also 1.35 hectares of land, on which annually she grows vegetables, watermelons, and corn for on-farm consumption and sale. Monthly income amounts to 15,000 som (KGS).

With the aim of further developing her farm, Ulpat turned to the bank Bai-Tushum and Partners for a loan - to purchase seeds for vegetables, watermelons and corn, and fertilizers.

Ulpat plans to invest income from the loan in propagating the quantity of domestic animals, and plans to save money for home repairs.
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Улпат 57 лет, замужем, многодетные родители семерых детей. Все дети семейные, проживают отдельно, самостоятельно, часто навещают родителей. Самый младший сын проживает с родителями и помогает по хозяйству. У Улпат - среднее образование, она на пенсии, имеет звание "Мать-героиня". В качестве основного дохода для своей семьи Улпат занимается полеводством и животноводством, стартовав 33 года назад, с 4,000 сом KGS. Благодаря упорному труду Улпат, на сегодняшний день имеется: 1 дойная корова с теленком, 8 овец, а также 1,35 ГА земельной доли, на которой ежегодно выращивает овощи, арбузы и кукурузу для внутрихозяйственного потребления и реализации. Ежемесячный доход составляет 15,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Улпат обратилась в Банк "Бай-Тушум" за кредитом - на покупку семян овощей, семян арбузов, семян кукурузы и удобрений. Доходы от кредита Улпат планирует вложить в приумножение количества домашней скотины, и планирует накопить средства на ремонт дома.

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
  • 61
    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 $800 helped Ulpat to buy vegetable seeds, watermelon seeds, corn seeds, and fertilizers.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 23, 2014
Feb 1, 2014
Currency Exchange Loss:
Nov 17, 2014