Clients of Microcredit organization «KazMicroFinance» are different people and everybody is inimitable and unique with his/here own life experience and baggage of knowledge. Some time earlier they applied to KMF for help and it was not a mistake. People tell us how their life has changed and their stories are really fascinating and unusual.
Jumakhadir Baitasov, Astana city: “I didn’t study for any profession and after army I started working on the factory as a driver where I got acquainted with my future spouse. I was born in Kazakhstan, but owing to the destiny I lived in Kyrgyzstan and in 1992 moved to Russia with my family, to Khabarovsk city where supported by my wife’s sister we started selling in the clothes market. In two years I managed to save some capital and opened a sales outlet and bought goods. In 2008 we decided to come back to our Motherland and moved to the capital of our Republic – Astana...
Yesenkul Kurynbayeva, Taraz city: “I deal with women’s dressing gowns for 13 years already. Mainly I sow myself and my daughters help me, partially I bring ready-made gowns from Bishkek. Specifically for fabrication I have a separate room, arranged mini-workshop and we have 4 sewing machines. I can say it is a family business owing to which I gave to me children: education to my sons and two daughters and settled my daughters...
Kunsulu Sadykova, Turkestan city:“In our village farming and cattle-breeding is almost the only way to earn money. After my husband’s death with 5 children on hands I had nothing to do but to continue his deed – growing water-melons and cotton. I have in aggregate 4,5 ha of land. Last year I grew only water-melons, this year I sew 3,5 ha with cotton and planted water-melon on the remaining land. I am planning to rent more land next year to grow more cotton.
Marchenko Galina, Taldykorgan city: “I am in business since 1994. Having graduated from Almaty trade technical school, I worked for almost all my life in a shop and started from a shop-assistant and then occupied a position of a department store director. However, all that remained in the Soviet past and then I had to work on myself. The first things I started to sell were food products but then I quickly understood that it is closer to me to sell goods for women. That’s why I opened a department in a trade center and from 2011 I started selling clothes...
Baizhumanov Galym, Taldykorgan city: “I am agriculturer by specialty. After the Soviet Union collapse a lot of people started trade and I decided to try myself as a farmer. Then state farm (sovkhoz) started distributing shares on land and my parents were pensioners, thus, I took their shares, of my relatives and neighbors and those who were not going to work on land. That was the beginning of my difficult farmer’s way. First I worked on 20 hectares and mainly grew beetroot, now I have already 60 ha looking at the market situation and now I am growing soy...
Antonina Khaibullina, Shymkent city:I have been taking loans in MCO “KMF” since 2002. I am an economist by specialty and earlier over 7 years worked as a Loan Officer in banking structures. That’s why I know that a loan is not a burden, but an effective support for working business. It is due to my first loan in KMF I was able to buy out a site at a bazaar where I carried on business...
Irina Baltinkova, Almaty: “Like a lot of Soviet people, I and my husband started working on ourselves when we remained without work. We lived in a private house, kept poultry and cattle, mainly pigs. Gradually we learned processing technology and started smoking bacon, to make and sell daisy ham. That is how our family business started. Later a daughter and a son joined our business, later on a son-in-law...
Native citizen of Taldykorgan city took 47 microloans for 15 years, or a story about how microcredit organization “KMF” or an ordinary kindergarten teacher, a business-woman beginner, 15 years ago started doing their joint first steps to develop partnership relations and are satisfied with mutually beneficial cooperation with each other.
Yusupaliyev Saidakhmet from Tulkubas city, South-Kazakhstan oblast, speaks about rural lending: «I have my own business – cattle-breeding, I keep cows and sell milk. I am in this business for over 10 years. Banks were not willing to give a loan to me and the like villagers because of our inability to confirm our incomes and since we don’t have a stable salary and quite small business. At that time I had only one cow...
Uzbekova Bakyt from Astana citydescribes how her life has become better with the help of microloans: «I have my own business - I sell seafood and fish and I am in this business for about 10 years. I started to take loans in a microcredit organization «KMF» as early as 2005. At that time I had a bit more than 200 000 KZT turnover and one refrigerator to store food. I had to borrow money under really high interest rates from private lenders.
Uzbekova Bakyt from Astana citydescribes how her life has become better with the help of microloans: «I have my own business - I sell seafood and fish and I am in this business for about 10 years. I started to take loans in a microcredit organization «KMF» as early as 2005. At that time I had a bit more than 200 000 KZT turnover and one refrigerator to store food. I had to borrow money under really high interest rates from private lenders.