My name is Nurgeldy Oserbaevich Klushev and I live in the town of Lenger in South Kazakhstan. I am the proud owner of a farm where I breed horses. For several years, I had been thinking of expanding my activities, however, I lacked the necessary funds to go forward with my project.  In March 2013, I went to Arnur Credit (Kazakh microfinance institution) to discuss my needs and plans to improve and expand my farm. I then applied for a loan which I used to purchase additional horses and land. My cooperation with Arnur Credit had a truly positive impact on my horse breeding activities. Hence, I decided to apply for another loan in 2014, to continue my project.