Update on RaisaRaisa has decided to take out another loan since she needs to heat her greenhouse and add a double layer of plastic sheeting as additional insurance against a freeze. This way she can start selling earlier in the year for better prices.
Thanks to her previous loan which allowed her to build an additional greenhouse, Raisa now has five greenhouses.
Last summer, at the end of the season, Raisa divorced her husband. Because of this, she had to run the entire business herself. It was hard, and therefore she received less income than the previous year. But Raisa has an adult son who helps his mother on the farm. Raisa takes care of her elderly parents who live with her.
Благодаря предыдущему кредиту Раиса построила дополнительную теплицу и теперь у нее пять теплиц.
Летом в прошлом году (как раз в конце торгового сезона) Раиса разошлась с мужем. Из-за этого ей пришлось полностью весь бизнес тянуть самой. Было тяжело и поэтому получила меньше прибыль чем в предыдущем году. Впрочем у Раисы есть взрослый сын, который помогает маме в фермерском хозяйстве.
Раиса заботится о своих пожилых родятелях, которые живут вместе ней.
Previous Loan DetailsRaisa is married with a grown son, Maxim. She is a farming entrepreneur from Kamenka who grows early spring vegetables. Raisa owns four arch greenhouses and is in the process of constructing her fifth one. She decided to try her luck in the greenhouse farming business five years ago. She has… More from Raisa's previous loan »
About HOPE UkraineHOPE 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.
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Success!! The loan was 100% repaid
- Repayment Term
- 9 months (Additional Information)
- Repayment Schedule
- Dec 19, 2011
- Jan 17, 2012
- Currency Exchange Loss:
- Aug 16, 2012
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.