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Paridakan is 58 years old and widowed. She is the mother of three children, all of whom are grown and have families of their own. Paridakan already has many grandchildren. Her family is friendly and actively helps her manage her affairs. Paridakan has a secondary education. For 25 years she has worked in animal husbandry and agriculture, starting her business from scratch. Thanks to Paridakan's hard work, her business has grown to include: 4 cows, 20 sheep, and 1.20 hectares of land, on which Paridakan grows clover and barley. Her family's monthly income is about 20,000 KGS. Income from her business, as well as saved funds, allowed Paridakan to begin building a house. However, she lacks the money to complete the project. For this reason, Paridakan turned to the bank "Bai-Tushum" for a loan of 50,000 KGS to purchase, cement, planks, and plastic windows, which will help her save money on heating in the future. She plans to put her future savings towards increasing her number of cattle with further fattening and reselling.
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Паридакан, 58 лет, вдова, мать 3 детей, все дети взрослые, семейные, у Паридакан уже много внуков. Семья дружная и активно помогают по хозяйству. Образование у Паридакан среднее, на протяжении 25 лет занимается сельским хозяйством- животноводством и полеводством, начав этот бизнес с нуля. На сегодняшний день ежемесячный доход ее семьи составляет около 20,000 сом (KGS). Благодаря упорному труду Паридакан, на сегодняшний день она имеет развитое хозяйство: 4 коровы, 20 овец и 1,20 ГА земельной доли, на которой Паридакан выращивает клевер и ячмень. Прибыль от бизнеса и накопленный средства позволили Паридакан начать строительство дома, однако не хватает средств на его завершение и постройку времянки, поэтому Паридакан обратилась в Банк «Бай-Тушум» за кредитом в сумме 50,000 сом (KGS) на покупку цемента, досок и пластиковых окон, что позволит ей в будущем экономить на оплате за отопление. Сэкономленные средства она планирует направить на увеличение поголовья скота с дальнейшим откормом и перепродажей.

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
  • 61
    View loans »
    Kyrgyzstan Loans Fundraising
  • $12,018,650
    Funds lent in using Kiva
  • 51.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Paridakan to purchase energy efficient plastic windows in order to conserve energy, also to buy cement and boards to finish construction on her house.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 16, 2014
Aug 17, 2014
Currency Exchange Loss:
Feb 17, 2015