Gulzat is 47 years old, married and has four children. She has higher education. She works as a teacher, and has also worked with livestock breeding and field crop cultivation since 2004. Thanks to her persistent work, her farm currently has seven cows, 45 sheep and a horse. She also has a plot of land of 1.48 hectares, on which she grows beans.
Gulzat has a contract to provide milk to a local factory for further processing into dairy products. This allows her to continuously invest in her agricultural business. She learned that at the bank "Bai Tushum", she is able to get a loan secured in the contract for future volumes, through the product "Value added chain". She applied for a loan in the amount of 190,000 som (KGS) to purchase dairy cows. She aims to increase the volume of milk for selling.
The payment from the factory will be transferred directly to Gulzat's bank account, and the payment on the loan will be deducted automatically. The income from the loan helps her further develop her business.
Translated from Russian by Kiva volunteer Audhild A.. View original language description.