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Ulugbuhan is 62 years old, a widow and a heroine-mother: she has 7 children. She has a secondary education. She has practiced livestock breeding and crop farming since childhood. All of her children are grown up and live separately, but they still actively help their mother. Ulugbuhan currently has 2 cows and 3 sheep on her farm, as well as a 0.45 hectare plot of land on which she grows potatoes, corn and cabbage. Her average monthly income is 4,000 som (KGS). As this amount of money is not enough to live on, Ulugbuhan's youngest son, who works in Russia, sends money home to help his mother. However, Ulugbuhan wants to run her business herself, be independent and, conversely, help her children. This is why Ulugbuhan turned to Microfinance Bank "Bai Tushum" to further develop her farm. She is requesting a loan for 100,000 som (KGS) to increase the size of her herd with the goal of later reselling the livestock. She will also spend a portion of the loan on crop farming. The earnings from her business will improve Ulugbuhan's quality of life and also allow her to carryout a long-planned renovation of her house.
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Улугбухан 62 года, вдова, мать героиня, у Улугбухан 7 детей. У нее среднее образование, с детства занимается животноводством и полеводством. Все дети взрослые и живут отдельно, но они активно помогают матери. В хозяйстве Улугбухан на сегодняшний день есть: 2 коровы и 3 овцы, а также земельный надел мерою 0,45 ГА, где Улугбухан выращивает картошку, кукурузу и капусту. Ежемесячный доход составляет 4,000 сом (KGS) в месяц. Этих средств не хватает на достойную жизнь, младший сын Улугбухан, который работает в России, пересылает деньги в помощь матери. Однако, Улугбухан хочет сама вести бизнес, быть независимой и наоборот помогать своим детям. Поэтому, в целях дальнейшего развития своего хозяйства, Улугбухан обратилась в Банк «Бай –Тушум» за кредитом в сумме 100,000 сом (KGS) на увеличение поголовья скота с целью дальнейшей его перепродажи, часть средств будет потрачена на полеводство. Доходы от бизнеса помогут улучшить благосостояние Улугбухан, а также провести давно запланированный ремонт дома.

Additional Information

More information about this loan

This loan is part of Bai Tushum's program targeting individuals and communities affected by crises like violence during political events, natural disasters, severe weather conditions, or animal epidemics. These communities need to restore lost business or reconstruct damaged property. The program includes up to 15% reduction in annual interest rates and a 5% rebate at the end of loan terms if all repayments are made on time. By funding this loan, you are helping to build opportunities for vulnerable populations. These initiatives are aimed at reducing social and ethnic tensions by creating jobs, and supporting self-employment and growth of income. 

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
  • 54
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,897,275
    Funds lent in using Kiva
  • 51.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,950 helped Ulugbuhan to purchase cattle for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2014
Aug 4, 2014
Currency Exchange Loss:
Aug 17, 2015