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Upinisa is 52 years old, a widow, and after the death of her husband is raising five children on her own. Two daughters got married, a son is serving in the army, and the remaining two children live with Upinisa and help around the homestead. Upinisa has a secondary education. As a main source of income for her family, Upinisa raises livestock and crops, having begun 24 years ago with a livestock purchase of 1,000 som KGS. Thanks to her hard work, Upinisa today has on her homestead: one dairy cow with calf, ten sheep, and also a plot of land measuring 0.30 hectares, on which she grows potatoes, corn and carrots. Monthly income amounts to 17,000 som (KGS).

With the aim of further developing her homestead, Upinisa applied to the bank Bai-Tushum for a loan - to purchase cows for fattening and subsequent sale at the market at a premium. Upinisa plans to invest income from the loan in further propagation of the quantity of domestic animals, and intends to collect money for putting on a wedding celebration for her daughter.
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Упинисе 52 года, вдова, после смерти мужа одна воспитывает 5 детей. Двух дочерей выдала замуж, сын служит в Армии, остальные двое детей проживают с Упинисой и помогают по хозяйству. У Упинисы - среднее образование, в качестве основного дохода для своей семьи Упиниса занимается животноводством и полеводством, стартовав 24 года назад, с покупки скота на 1,000 сом KGS. Благодаря упорному труду Упинисы, в ее хозяйстве на сегодняшний день имеется: 1 дойная корова с теленком, 10 овец, а также имеет земельный надел размером 0,30 ГА, на которой выращивает картофель, кукурузу и морковь. Ежемесячный доход составляет 17,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Упиниса обратилась в Банк "Бай-Тушум" за кредитом - на покупку коров для откорма с последующей реализацией на рынке по высокой цене. Доходы от кредита Упиниса планирует вложить в дальнейшее приумножение количества домашней скотины, и намерена собрать средства на проведение свадебного торжества для дочери.

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
  • 57
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 50.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Upinisa to buy cows for fattening and resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 25, 2014
Feb 7, 2014
Currency Exchange Loss:
Feb 17, 2015