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Ainagul is 40 years old, and married with three children. She has a high school education. Their family's main income is from farming and raising livestock, which she started 20 years ago with 1,000 KGS. Thanks to Ainagul's hard work, they now have three dairy cattle, ten sheep and 2.34 hectares of land on which they grow apricots, tomatoes, peppers and cotton every year, both for their own use and to sell.

They also have a greenhouse in which they have also planted seeds for a few different vegetables. However, she needs to irrigate the land. Her income from farming is about 150,000 KGS annually. Her monthly income is 12,000 KGS. Ainagul has applied for a loan from micro-finance bank, Bai-Tushum, to buy seeds (apricot, tomato, pepper and cotton) to plant. She plans to use the extra income to invest in expanding her herd and save for a family car.
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Айнагул 40 лет, замужем, вместе с супругом воспитывают 3 детей. У Айнагул - среднее образование. В качестве основного дохода для своей семьи Айнагул занимается полеводством и животноводством, стартовав 20 лет назад, с 1,000 сом KGS. Благодаря упорному труду Айнагул, на сегодняшний день имеется: 3 дойные коровы, 10 овец, 2,34 ГА поливной земельной доли, на которой ежегодно выращивает арбузы, помидоры, перец, и хлопок для внутрихозяйственного потребления и реализации. Также имеет парник на дому, в котором уже засеяны некоторые семена овощей, но требуется засеять теперь поливную землю. Примерно, доход от полеводства составляет 150 000 сом (KGS) в год. Ежемесячный доход составляет 12,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Айнагул обратилась в Банк "Бай-Тушум" за кредитом -на покупку семян арбузов, помидоров, перца и хлопка для посевных работ. Доходы от кредита Айнагул планирует вложить в 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
  • 65
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 52.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,925 helped Ainagul to buy fertilizers, and seeds to grow watermelons, tomatoes, peppers and cotton.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 17, 2014
Mar 3, 2014
Currency Exchange Loss:
Dec 17, 2014