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Yryskan is 50 years old, married and raising 5 children together with her husband. Yryskan has a secondary education and, to provide the primary source of income for her family, is involved in animal husbandry. Thanks to her hard work, today her business contains 6 cows, 4 sheep, and also 0.50 hectares of owned land, where she grows corn. The monthly income is approximately 15,000 som (KGS). Her husband and younger children actively help her with the business. They try to invest their savings into developing and expanding the business, and also into improving their living conditions. Yryskan already filled the foundation of their future, spacious house with cement, but still needs money to buy bricks, slates and other construction materials. In order to complete the construction of the house for herself and her family, Yryskan requested a loan in the amount of 150,000 som (KGS) from the "Bai-Tushum" Bank. Yryskan plans to invest the earnings from her business into further developing her animal husbandry activity because she wants to build a house for her son.
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Ырыскан 50 лет, замужем, вместе с супругом воспитывают 5 детей. У Ырыскан - среднее образование, в качестве основного дохода для своей семьи она занимается животноводством и полеводством, благодаря упорному труду Ырыскан, в ее хозяйстве на сегодняшний день имеется: 6 коров, 4 овцы, а также на собственных 0,50 ГА она выращивает кукурузу. Ежемесячный доход составляет около 15,000 сом (KGS). Супруг и младшие дети активно помогает по хозяйству. Накопленные средства стараются вкладывать в развитие и расширение бизнеса, а также в улучшение жилищных условий. Ырыскан уже залила фундамент будущего просторного дома для нее и ее семьи, однако еще нужны средства на покупку кирпича, шифера и прочих строительных материалов. В целях завершения строительства дома, Ырыскан обратилась в Банк «Бай –Тушум» за кредитом в сумме 150,000 сомов (KGS). Доходы от бизнеса Ырыскан планирует вкладывать в дальнейшее развитие животноводческой деятельности, так как она хочет еще построить дом для сына.

Additional Information

More information about this loan

This loan is part of Bai Tushum’s efforts to provide essential funds to farmers and agricultural producers to cultivate and process locally grown vegetables, crops, fruits and dairy products. These loans also help people in remote areas access lighting and heating for their households, promote green energy products and help reduce energy expenses. The program includes a 5% rebate of annual interest at the end of loan terms if all repayments are made on time. By funding this loan, you are helping low-income residents improve self-sufficiency, expanding domestic farmers markets and direct producer-to-consumer market opportunities, and making strides against poverty.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Kyrgyzstan

  • $2,500
    Average annual income
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,013,000
    Funds lent in using Kiva
  • 51.7
    Kyrgyzstan Soms (KGS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,900 helped Yryskan to buy bricks, slates and other construction materials in order to finish building her house.
84% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 17, 2014
Jul 25, 2014
Currency Exchange Loss: