A loan of $475 helped buy seeds to plant cucumbers, cabbage and carrots.

Nazgul's story

Nazgul is 29, married and raising 2 children together with her husband. She has a university education, and upon graduating, worked in a village library as a librarian and got married sometime thereafter. She began growing vegetables in 2008 with 25,000 som as startup capital. Both she and her husband have been growing them on a 0.30-hectare plot of land adjoining their house, planting quick-growing varieties of cucumber, carrots and cabbage. She typically stocks up on seeds of what are generally recognized to be the best varieties of these plants for each season, sprouts them in a greenhouse and then plants them. Her vegetables are ready to harvest early in the summer, and she sells them wholesale. She has several regular buyers for her vegetables. She sells the vegetables from her plot of land in the summer, and, in the winter, sells carrots and cabbage that she's stored in her cellar in the fall. Apart from vegetables, Nazgul also has a few animals on her farm (2 dairy cows and 2 sheep).

To further develop her farm, Nazgul is seeking a loan from Bai Tushum & Partners to buy high-quality cucumber, carrot and cabbage seeds for the sowing season. Nazgul is intent on getting a good harvest as this will bolster her family's finances. She plans on using any extra earnings due to the loan to add more livestock to her farm, as well as to pay for her children's education.

Translated from Russian by Kiva volunteer Ian Hamel

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