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Guldar is 34 years old, married and raising 4 children together with her husband. Guldar has a secondary education and, to provide the primary source of income for her family, has been involved in farming for over 10 years. Thanks to Guldar's persistence, drive and hard work, today she has 1.07 hectares of owned land, inclusive of a fruit orchard and garden, where she grows various vegetables and fruits, such as rice, tobacco, corn and wheat. The monthly income from selling ecologically clean agricultural produce to wholesale buyers amounts to about 10,000 som (KGS). Guldar requested a loan in the amount of 100,000 som (KGS) from the "Bai-Tushum" Bank to buy saltpeter and hold field work. Guldar intends to expand her business, which would certainly lead to increasing the family's capital.
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Гулдар 34 года, замужем, вместе с супругом воспитывают 4 детей. У Гулдар среднее образование, в качестве основного дохода для своей семьи, она занимается полеводством, стартовав более 10 лет назад, благодаря упорству, целеустремленности и трудолюбию Гулдар, на сегодняшний день у нее есть 1,07 ГА собственной земли, в том числе есть фруктовый сад и огород, где Гулдар выращивает различные овощи и фрукты, в том числе рис, табак, кукурузу, пшеницу. Ежемесячный доход от реализации сельскохозяйственной экологически чистой продукции оптовым покупателям составляет около 10,000 сом (KGS). Гулдар обратилась в Банк "Бай-Тушум" за кредитом в сумме 100,000 сом (KGS) для закупки селитры и для проведения полевых работ. Гулдар намерена расширить свой бизнес, что непременно приведет к увеличению капитала семьи.

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 Kyrgyzstan

  • $2,500
    Average annual income
  • 36
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,533,000
    Funds lent in using Kiva
  • 51.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,950 helped Guldar to buy saltpeter and hold field work in order to grow ecologically clean vegetables.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 7, 2014
Aug 15, 2014
Currency Exchange Loss:
Sep 17, 2015