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Update on Galina

Galina has been using the KIVA loans for a while since they are convenient and fast. She used her last loan to purchase a batch of swimsuits for the summer season. Currently Galina needs additional money to purchase a batch of a more expensive accessory - hats from natural fur. This clothing item is rarely sold at the local market and as a result Galina will have very little competition and a lot of clients, which will make this venture very successful.
View original language description ↓
Галина давно пользуется кредитами, т.к. это удобно и быстро. Предыдущий кредит был использован для закупки купальников к летнему сезону. В данный момент нужны дополнительные средства для закупки более дорогого товара - шапок с натуральным мехом. Подобный товар достаточно редкий на данном рынке, поэтому у Галины мало конкурентов и много клиентов, что делает ее бизнес успешным.

Previous Loan Details

Galina has been happily married for many years. She has two grown-up children. Galina has her own business: she sells shawls, scarves, hats and swimwear in season at the market. She enjoys this type of work and always sells only quality items. Galina is a cheerful and friendly person. She spends ... More from Galina's previous loan »

Additional Information

About HOPE Ukraine

HOPE International, a Christian faith-based non-profit organization, has been operating in Ukraine since 1997. HOPE Ukraine was the organization’s first international venture. 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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ukraine

  • $8,200
    Average annual income
  • 7
    View loans »
    Ukraine Loans Fundraising
  • $6,400,325
    Funds lent in using Kiva
  • 8.0
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,650 helped Galina to purchase winter hats.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 8, 2011
Dec 1, 2011
Currency Exchange Loss:
Jul 26, 2012
This photo was used before for a previous loan for Galina. It was first posted on Kiva on Jul, 2011. Learn More