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Update on Nataliya

Thanks to her previous loan from Kiva, Nataliya was able to increase the variety of merchandise she has for sale. Those goods sold very well and Nataliya profited 1000 grivnas more than usual.

She's asking for another loan of 15,000 grivnas in order to purchase some new perfume products and increase the assortment of items she has for sale. Nataliya's business depends on the quality of her goods as well as the variety of different brands and labels she has to offer.
She hopes that this loan will assist her in attracting new customers and increase her sales and profits.
View original language description ↓
За счет последнего кредита от КИВА Наталия смогла разнообразить ассортимент товара, который она представляет в своем магазинчике. Дополнительная партия товара хорошо разошлась и Наталия получила на 1 000 гривен больше дохода, чем обычно.
Наталия снова обратилась в КИВА за кредитом в размере 15 000 гривен, чтобы закупить новые виды парфюмерной продукции и обновить свой старый ассортимент. Наталия знает, что многое зависит от качества предлагаемого товара и наличия самых разных брендов и опций – это всегда привлекает потенциальных покупателей. Поэтому она надеется, что дополнительные средства посодействуют ей в этом процессе привлечения новых клиентов, торговля вырастет еще больше и доход будет продолжать увеличиваться.
Пометка: история на русском языке

Previous Loan Details

Nataliya is married. She and her husband live in a small town called Vinogradovo in western Ukraine. Nataliya sells cosmetics. Her shop is located in the heart of the city, with virtually no competition. Nataliya has been in business around 6 years. At this time, she has 45,000 hryvnia in invento... More from Nataliya'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
  • 6
    View loans »
    Ukraine Loans Fundraising
  • $6,342,325
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD
A loan of $1,875 helped Nataliya to purchase a new assortment of perfume products and increase the variety of merchandise for sale.
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jun 21, 2012
Jul 3, 2012
Currency Exchange Loss:
Aug 2, 2012