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Mavlyuda is 37, married, and the mother of four children. She has been selling women's clothing at the local market as the main source of income for her family for five years already. She earns 35,000 som (KGS) per month. Mavlyuda applied for a loan of 100,000 som (KGS) with Bai-Tushum Bank to expand her assortment of goods. She plans to use her profits to improve her family's living conditions.
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Translated from Russian. View original language description.
Мавлюда 37 лет, замужем, мать 4 детей. Мавлюда, в качестве основного дохода уже 5 лет занимается торговлей женской одеждой на местном рынке. На сегодняшний день у нее есть товар в обороте на сумму около 1 млн. сомов (KGS). Ее ежемесячный доход до 35,000 сом (KGS). Мавлюда обратилась в Банк «Бай-Тушум» за кредитом в сумме 100,000 сом (KGS) на расширение ассортимента товара. Доходы от кредита позволят Мавлюде улучшить благосостояние и жилищные условия ее семьи.
Bai Tushum Bank 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 and offer lower interest rates to even more vulnerable communities in Kyrgyzstan.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Loan tags help lenders find loans that match certain areas of interest.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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