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Guljamal is 50 and married with three children. Her older daughters are married and her son is in school. Guljamal has a high school education and works in agriculture and animal husbandry as the primary source of income for her family, a business she started 19 years ago with 10,000 KGS. Thanks to her hard work, she now has one milking cow and eight sheep as well as 1.75 hectares of farmland, on which she grows beans both for household consumption and for sale. Her total monthly income is 10,000 KGS.

With the goal of further developing her business, Guljamal has turned to Bai Tushum Bank for a loan to purchase fertilizer for her land. She wants to receive a good harvest, which will contribute positively to her household finances. Guljamal plans to invest profits from the loan into buying more animals, and to save toward her son's education costs.
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Гульжамал 50 лет, замужем, вместе с супругом воспитывают 3 детей. Старшие дочери-замужем, сын в школе. У Гульжамал - среднее образование, в качестве основного дохода для своей семьи Гульжамал занимается полеводством и животноводством, стартовав 19 лет назад, с 10,000 сом KGS. Благодаря упорному труду Гульжамал, на сегодняшний день имеется: 1 дойная корова, 8 овец, также имеется 1,75 ГА земельной доли, на которой ежегодно выращивает фасоль для внутрихозяйственного потребления и реализации. Ежемесячный совокупный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Гульжамал обратилась в Банк "Бай-Тушум" за кредитом для закупа удобрений для обработки земли. Гульжамал намерена получить хороший урожай, что непременно приведет к увеличению капитала семьи. Доходы от кредита Гульжамал планирует вложить в приумножение количества домашней скотины, и планирует накопить средства на дальнейшее образование сына.

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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 54.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Guljamal to buy fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 6, 2014
Mar 14, 2014
Currency Exchange Loss:
Apr 17, 2015