Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description:
HOPE International, a Christian faith-based nonprofit organization, has been operating in Ukraine since 1997. HOPE Ukraine was the organization’s first international venture. Since its inception, over 30,000 loans have been distributed throughout the country. Known as Nadiya (“hope”) in Ukrainian, the microfinance institution maintains 16 branches in towns across the country. The central administrative office is located in Kiev.
In addition to its core microfinance activities, HOPE also supports an active children's ministry in Ukraine in the form of “Tomorrow Clubs,” after-school programs that teach children the gospel through games, skits and songs. HOPE also runs children’s camps throughout the summer to serve communities where there are few churches or other opportunities for ministry.

HOPE Ukraine’s initial focus was on small traders and entrepreneurs. Over time, services were expanded to other client segments. Today HOPE Ukraine provides financing for the diverse needs of its clients – notably agriculture (open farming & greenhouses) – and home renovations, including for home energy saving purposes, while maintaining its support to small traders. 

To learn more about HOPE Ukraine, visit this website or send an email to For more about HOPE Ukraine’s parent organization HOPE International, visit

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Dec 16, 2006 Oct 12, 2005
Total Loans $6,305,500 $974,903,975
Amount of raised Inactive loans $0 $446,850
Number of raised Inactive loans 0 211
Amount of Paying Back Loans $420,750 $147,400,875
Number of Paying Back Loans 316 183,981
Amount of Ended Loans $5,884,750 $827,056,250
Number of Ended Loans 4,311 1,039,701
Delinquency Rate 2.34% 8.21%
Amount in Arrears $5,761 $7,880,852
Outstanding Portfolio $245,952 $95,953,362
Number of Loans Delinquent 15 20,164
Default Rate 0.11% 1.39%
Amount of Ended Loans Defaulted $6,733 $11,517,038
Number of Ended Loans Defaulted 9 33,034
Currency Exchange Loss Rate 5.61% 0.45%
Amount of Currency Exchange Loss $353,907 $4,428,499
Refund Rate 0.22% 0.61%
Amount of Refunded Loans $14,175 $5,967,400
Number of Refunded Loans 12 5,984

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 69.13% 75.40%
Average Loan Size $1,361 $399
Average Individual Loan Size $1,363 $629
Average Group Loan Size $842 $1,760
Average number of borrowers per group 2.3 7.7
Average GDP per capita (PPP) in local country $8,200 $5,874
Average Loan Size / GDP per capita (PPP) 16.60% 6.79%
Average Time to Fund a Loan 4.84 days 6.9 days
Average Dollars Raised Per Day Per Loan $281.20 $57.76
  Average Loan Term 9.91 months 11.13 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2,233 509,194
  Journaling Rate 43.10% 41.50%
  Average Number of Comments Per Journal 0.17 0.05
  Average Number of Recommendations Per Journal 2.35 1.16

Borrowing Cost Comparison (based on 2014 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 39% PY 41.00% PY 26.13% PY
  Profitability (return on assets) -1.4% 1.1% -1.72%
  Average Loan Size (% of per capita income) 40.20% 46.00% 16.60%

Country Fast Facts

Field Partner Staff

Andre Barkov
Nadezhda Grinkevich
Olga Lutsenko
Arna McArtney
Maxym Oliferovski
Sarah Rutt