A loan helped to pay for the installation of heating systems and build a roof.


Gulmira's story

Gulmira is 33 years old and unmarried. She works as a manicurist at a beauty salon. She needs to replace the roof in her home where she lives, and she also wants to install a newer heating sistem that will be energy-efficient and allow her to conserve.

She is asking for a loan to install the heating system, namely the heater, and wants to install a new roof on her house. These energy-efficient upgrades will allow her to save heat in the house and save money on heating, since her home will heat up faster and keep the heat longer. She will use the money she saved on heating to put toward further home improvements.

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Translated from Russian by Kiva volunteer Susan Vdovichenko.


This loan is special because:

It helps families improve their living conditions and reduce energy consumption.



Loan details


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Loan details