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Nurjamal is 46 years old, married and, together with her husband, is raising two children. Nurjamal has an advanced education, she is a college graduate with an accounting degree. Currently, she is working as a homemaker. With the help of her husband and her children, she raises cattle and grows crops, a business that she started in 1999 with a purchase of livestock for 5,000 som (KGS).

Thanks to Nurjamal's hard work, she currently has 2 cows, 35 sheep, and 2 calves. In addition, she is cultivating 1.92 hectares of land to grow beans. Her annual harvest is 4,000 kg of beans. She sells the harvested produce to bulk re-sellers. Her annual income from the business is 10,000 som (KGS). In order to expand her enterprise, Nurjamal turned to the bank of Bai Tushum & Partners for a loan to purchase additional cows. She is planning to keep the cows in a barn on her own property. In the summer, the cows will be tended to by the shepherd. Some profits from her business, Nurjamal plans to reinvest and use to increase the size of her herd, the other part she plans to save for the wedding celebration of her youngest son.
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Нуржамал 46 лет, замужем, вместе с супругом воспитывают 2 детей. У Нуржамал - высшее образование, окончила институт, по специальности -бухгалтер, в настоящее время - домохозяйка. Вместе с мужем и детьми Нуржамал занимается животноводством и полеводством, стартовав в 1999 году, с покупки скота на 5,000 сом KGS. Благодаря упорному труду Нуржамал, в ее хозяйстве на сегодняшний день имеется: 2 дойные коровы, 35 овец, 2 бычка, также обрабатывает 1,92 ГА земли, где в основном выращивает -фасоль. В год получают около 4000 кг фасоли. Полученный урожай реализуют оптовым поставщикам. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Нуржамал обратилась в Банк "Бай-Тушум" за кредитом - на покупку коров для увеличения поголовья скота. После закупки коров, они будут находиться в собственном хозяйстве. Летом скот будет под присмотром пастуха. Доходы от кредита Нуржамал планирует вложить в дальнейшее приумножение количества домашней скотины, и планирует накопить средства на проведение свадебного мероприятия для младшего 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
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,014,625
    Funds lent in using Kiva
  • 54.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,225 helped Nurjamal to buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 27, 2014
Mar 17, 2014
Currency Exchange Loss:
Mar 19, 2015