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Nazgul is 36, married, and has five children. She has a secondary education and has been raising livestock and planting crops since 1996. This is the main source of income for her family. Thanks to her hard work, she currently has three cows, two of which are dairy cows, and 24 sheep. She also has 0.60 hectares of her own land where she and her family grow grasses and sainfoin for their own use and to sell. Nazgul sells milk and fruits and vegetables from her garden every day, earning 15,000 som (KGS) per month. In order to expand her business, Nazgul applied for a loan of 50,000 som (KGS) with Bai-Tushum Bank in order to purchase cows. She plans to use her profits to invest in additional livestock and she needs to buy feed and hay for the animals.
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Назгул 36 лет, замужем, вместе с супругом воспитывают 5 детей. У Назгул - среднее образование, с 1996 года в качестве основного дохода для своей семьи, она занимается животноводством и земледелием. Благодаря упорному труду, в хозяйстве Назгул на сегодняшний день имеется 3 коровы, 2 из них дойные и 24 овцы. Также есть 0,60 ГА собственной земли, где Назгул и ее семья выращивают злаковые и эспарцет для внутрихозяйственного потребления и реализации. На ежедневной основе Назгул продает молоко, а также овощи и фрукты, выращиваемые в саду. Ежемесячный доход составляет около 15,000 сом (KGS). В целях увеличения своего бизнеса Назгул обратилась в Банк «Бай–Тушум» за кредитом в сумме 50,000 сом (KGS) на покупку коров. Доходы от кредита Назгул планирует вложить в дальнейшее приумножение количества домашней скотины, ей нужно закупить корм и сено для 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
  • 62
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,008,925
    Funds lent in using Kiva
  • 51.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Nazgul to purchase cows and buy hay and feed for livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 1, 2014
Aug 15, 2014
Currency Exchange Loss:
Sep 17, 2015