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Mairamkul is 33 years old, married and raising 2 children together with her husband. The son is a school student and daughter is 4 years old. Her husband is a teacher at a local school. Mairamkul has a higher education and works as a teacher, but unfortunately her salary is not enough to support the family. To provide an additional income for her family, Mairamkul is involved in animal husbandry, having started 9 years ago with a purchase of livestock with 7,000 som (KGS). Thanks to her hard work, today her business contains 2 dairy cows. She has all of the conditions for keeping livestock. Feed and hay have been stocked up. Mairamkul also has a small 0.90 hectare land plot, where she annually grows barley and potatoes for use within the business and sale. Mairamkul sells milk and has an additional income. The monthly income amounts to 12,000 som (KGS). In order to further develop her business, Mairamkul 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. Mairamkul plans to invest the earnings from the loan into further increasing domestic livestock quantities and saving money to buy a family car.
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Майрамкул 33 года, замужем, вместе с супругом воспитывают 2 детей. Сын-школьник, дочери - 4 года.Супруг преподаватель в местной школе. У Майрамкул - высшее образование, работает преподавателем, но к сожалению зарплаты не хватает на содержание семьи, и в качестве дополнительного дохода для своей семьи Майрамкул занимается животноводством, стартовав 9 лет назад, с покупки скота на 7,000 сом KGS. Благодаря упорному труду Майрамкул, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы. Все условия для содержания скота имеются. Корма и сено заготовлены. Майрамкул также имеет небольшой земельный надел мерою 0,90 ГА, на котором ежегодно выращивает ячмень и картофель для внутрихозяйственного использования и реализации. Майрамкул реализует молоко, и имеет дополнительный доход. Ежемесячный доход составляет 12,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Майрамкул обратилась в Банк «Бай –Тушум» за кредитом - на покупку коровы для увеличения поголовья скота, также для увеличения ежемесячного дохода от продажи молока. Доходы от кредита Майрамкул планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на покупку семейной автомашины.

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
  • 35
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,533,825
    Funds lent in using Kiva
  • 50.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Mairamkul to buy a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 31, 2014
Feb 6, 2014
Currency Exchange Loss:
Feb 17, 2015