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Seynep is 55 years old and a widow. Since her husband died, she has been raising seven children by herself. She has a specialized secondary education and is a retailer by profession. However, for the past 35 years, she has been working in animal husbandry, an activity which provides her family with its main source of income. Thanks to her hard work, she currently owns six dairy cows, 40 sheep, three horses and five goats. In addition to her livestock, she also owns a mill and a tractor and makes an additional income by providing services to the local residents. She makes a gross monthly income of over 10,000 som (KGS). In order to further develop her farming business, she has turned to the bank "Bai Tushum" for a loan of 100,000 som (KGS). She will use this loan to buy sheep and increase her livestock headcount. She is planning to re-invest the earnings from her loan into further increasing her number of domestic animals. She also intends to save enough money to educate her youngest daughter.
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Сейнеп 55 лет, вдова, после смерти мужа одна воспитывают 7 детей. У Сейнеп - средне-специальное образование, по специальности продавец-товаровед, в качестве основного дохода для своей семьи она на протяжении 35 лет занимается животноводством. Благодаря упорному труду Сейнеп, в ее хозяйстве на сегодняшний день имеется: 6 дойных коров, 40 овец, 3 лошади и 5 коз. Кроме животноводства у Сейнеп есть мельница и трактор, что приносит ей дополнительный доход от оказания услуг местному населению. Совокупный ежемесячный доход составляет свыше 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Сейнеп обратилась в Банк «Бай –Тушум» за кредитом в сумме 100,000 сом (KGS) на покупку овец для увеличения поголовья скота. Доходы от кредита Сейнеп планирует вложить в дальнейшее приумножение количества домашней скотины и планирует накопить средства на обучение младшей дочери.

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
  • $12,008,925
    Funds lent in using Kiva
  • 54.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Seynep to buy sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 23, 2014
May 24, 2014
Currency Exchange Loss:
May 17, 2015