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Update on Valentina

Thanks to the loan from Kiva that Valentina received last year and which she used to improve the conditions of her greenhouses, Valentine was able to maintain her greenhouses and increase her yearly income from 70,000 to 85,000 Grivnyas.
The next season will not be an easy one for Valentina, as her greenhouse business calls for new investments again: Valentina needs to finish building one greenhouse and to alter another one. Valentina would also like to buy good-quality seeds, coal, and additional quantities of protective film.
Thanks to the profits made last season, Valentina and her family have been able to afford small home repairs, install new windows, and buy a used car, a VAZ-2106 (Lada). Valentina's husband left her seven years ago, and she has coped by herself since then. Her son is now grown-up and married, and Valentina, her son and daughter-in-law all work together on the greenhouses.
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Благодаря кредиту КИВА, который Валентина получила в прошлом году и вложила в улучшение условий в своих теплицах, она смогла содержать теплицы и увеличить свой доход за год с 70 000 гривен до 85 000 гривен.
Следующей сезон будет для Валентины непростым, так как тепличный бизнес снова требует новых вложений: Валентине нужно достроить одну теплицу и переделать еще одну. Более того Валентина хочет закупить качественные семена, уголь и подкупить пленку.
Благодаря полученной от прошлого сезона прибыли, Валентина и ее семья смогли позволить себе сделать дома небольшой ремонт, вставить новые окна, приобрести подержанный автомобиль ВАЗ 2106.
7 лет назад от Валентины ушел муж, все это время она справлялась сама. Сейчас вырос и женился сын, поэтому работают в теплицах теперь уже вместе с сыном и невесткой.

Previous Loan Details

Valentina is divorced. She has a grown son who is married. Her son and daughter-in-law live with her. Valentina is a tomato farmer with five big greenhouses. Last year she planted 15,000 short-growing tomatoes. Valentina is a veteran in the sphere of agriculture – she has been working in farming ... More from Valentina'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
  • 5
    View loans »
    Ukraine Loans Fundraising
  • $6,300,650
    Funds lent in using Kiva
  • 8.0
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Valentina to purchase seeds, protective film, and coal.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 30, 2011
Dec 8, 2011
Currency Exchange Loss:
Jul 27, 2012