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Ryskul is 55 years old, married and has children. However, all of her children are completely grown-up and live on their own, which is why only her husband is involved in her business. He helps till the land. Ryskul has a secondary education. As the main source of income for her family, she practices crop farming and livestock breeding. She started this business in 1999 with an initial purchase of cattle in the amount of 50,000 som (KGS). Thanks to Ryskul's hard work, she currently has 3 milk cows, 2 calves and 1 horse on her farm. She also has a 2.0 hectare plot of land on which she grows beans. Her monthly income is about 10,000 som (KGS). For the purpose of further developing her business, Ryskul turned to Microfinance Bank "Bai Tushum." She is requesting a loan to buy bull calves to fatten up and then sell at the market for a high price. With the remaining money she will buy fertilizer, seeds and fuel products for cultivating her land. Ryskul plans to invest the earnings from the loan in the further acquisition of livestock. She is also determined to save money to build a barn for housing her cattle.
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Рыскул 55 лет, замужем, есть дети, но они все достаточно взрослые и проживают отдельно, поэтому в бизнес вовлечен только супруг, который помогает обрабатывать землю. У Рыскул - среднее образование, в качестве основного дохода для своей семьи она занимается животноводством и полеводством, стартовав в 1999 году с покупки скота на 50,000 сомов (KGS). Благодаря упорному труду Рыскул, в ее хозяйстве на сегодняшний день имеется: 3 дойные коровы, 2 теленка и 1 лошадь. Также имеется земельный надел размером 2,00 ГА, на котором выращивается фасоль. Ежемесячный доход составляет около 10,000 сомов (KGS). В целях дальнейшего развития своего хозяйства, Рыскул обратилась в Банк "Бай-Тушум" за кредитом на покупку бычков для откорма с последующей реализацией на рынке по высокой цене. На оставшиеся средства будут куплены удобрения, семена и ГСМ для культивации земли. Доходы от кредита Рыскул планирует вложить в дальнейшее приумножение количества домашней скотины, и намерена собрать средства ремонт сарая для содержания скота.

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
  • 80
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,904,175
    Funds lent in using Kiva
  • 54.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Ryskul to buy bull calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Apr 9, 2014
Currency Exchange Loss:
Apr 17, 2015