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Gulnara is 43 years old, a widow, and is raising three children. After the death of her husband, Gulnara was not able to get over the loss of her significant other for a long time. She needed to raise and support her children, so Gulnara decided take her home and her financial responsibilities into her own hands. Her children helped her with this as well. Her eldest son is working abroad in Russia and sends back money home when the need arises. Her middle son lives and works in the capital of Kyrgyzstan and also helps her financially. Gulnara has been raising cattle since 1995. She started this business with 3,000 som (KGS). Thanks to her tireless work and persistence, she currently makes a monthly income of 10,000 som (KGS). Gulnara has 2 milk cows, 1 bull calf, 11 sheep and 2 goats on her farm. She has all of the conditions necessary for housing cattle. For the purpose of increasing the size of her herd, Gulnara turned to Microfinance Bank "Bai Tushum." She is requesting a loan to buy cows for future breeding. Gulnara plans to invest the earnings from the loan in the further acquisition of livestock. She also intends to save money to throw a wedding reception for her son.
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Гулнаре 43 года, вдова, воспитывает 3 детей. После смерти супруга, Гулнара очень долго не могла пережить утрату близкого человека. Нужно было воспитывать и ставить на ноги детей и Гулнара решила взять хозяйство и материальную ответственность в свои руки. В этом ей также помогли ее дети, старший сын находится на заработках в России высылает денежные средства по мере необходимости, средний сын проживает и работает в столице Кыргызстана, тоже помогает материально. Разведением скота Гулнара занимается с 1995 года, начав этот бизнес с 3,000 сом KGS. Благодаря ее неустанному труду и выдержке на сегодняшний день она получает ежемесячную прибыль в сумме 10,000 сом KGS. В хозяйстве у Гулнары имеется: 2 дойные коровы, 1 бычок, 11 овец, 2 козы. Все условия для содержания скота имеются. В целях увеличения поголовья скота Гулнара обратилась в Банк «Бай-Тушум» за кредитом- на покупку коров для дальнейшего разведения. На доходы от кредита Гулнара планирует увеличить поголовье скота, а также накопить денежные средства на проведение свадебного торжества для 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
  • $12,013,000
    Funds lent in using Kiva
  • 54.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Gulnara to buy cows.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 20, 2014
Mar 24, 2014
Currency Exchange Loss:
Oct 17, 2015