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Shakhadat is 45 years old, married and raising 4 children together with her husband. Their daughter is married and the two older sons work as loaders at a restaurant in Russia and send part of their salary to the parents in Kyrgyzstan, and the youngest son is a school student. Her husband Abylkasym is a farmer with a lot of experience. Shakhadat has a secondary education. To provide the primary income for her family, Shakhadat is involved in animal husbandry, having started 20 years ago with a purchase of livestock with 5,000 som (KGS). Thanks to her hard work, today her business contains 2 dairy cows, 1 bull and 1 sheep. She has all of the conditions for keeping livestock. Feed and hay have been stocked up. Shakhadat also has a small 0.70 hectare land plot, where she annually grows potatoes and carrots for use within the business and sale. From March through November, Shakhadat sells milk products, such as butter, kurut and kefir. The monthly income amounts to 10,000 som (KGS). In order to further develop her business, Shakhadat requested a loan from the microfinance bank "Bai-Tushum and Partners" to buy a cow in order to increase livestock headcount and increase the monthly income from selling milk products. Shakhadat plans to invest the earnings from the loan into further increasing domestic livestock quantities and saving money to help her son build a house.
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Шахадат 45 лет, замужем, вместе с супругом воспитывают 4 детей. Дочь замужем, двое старших сыновей работают в России в ресторане - грузчиками, часть своей зарплаты высылают родителям в Кыргызстан, самый младший сын-школьник. Супруг Абылкасым-фермер с большим опытом. У Шахадат - среднее образование, в качестве основного дохода для своей семьи Шахадат занимается животноводством, стартовав 20 лет назад, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Шахадат, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 1 бычок, 1 овца. Все условия для содержания скота имеются. Корма и сено заготовлены. Шахадат также имеет небольшой земельный надел мерою 0,70 ГА, на котором ежегодно сажает картофель и морковь для внутрихозяйственного использования и реализации. С марта по ноябрь месяцы Шахадат продает молочные продукты, такие как: топленое масло, курут, кефир. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Шахадат обратилась в Банк «Бай –Тушум» за кредитом - на покупку коровы для увеличения поголовья скота, также для увеличения ежемесячного дохода от продажи молочных продуктов. Доходы от кредита Шахадат планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства в помощь сыну при строительстве 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
  • 80
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 50.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Shakhadat to buy a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 31, 2014
Feb 6, 2014
Currency Exchange Loss:
Feb 17, 2015