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Lubov is an experienced entrepreneur. Her main source of income is selling produce in her own store. Over the last couple of years, she transferred the responsibility of managing the store to her daughter. Lyubov herself now focuses on developing her agricultural business. She receives consultations from Tatyana, her sister-in-law. They plan to consolidate their selling operations.

Lubov is a widow and lives alone. Her daughter’s family lives separately.
This loan is needed in order to install an additional greenhouse foreseen for growing vegetables.

Lubov needs your support to finance the purchase of greenhouse film and mist sprayers.
View original language description ↓
Любовь, предприниматель со стажем. Основной доход получает от торговли, которая осуществляется в собственном магазине. В течение последних нескольких лет и в настоящее время управление работой магазина передала дочери. Сама же занята развитием агробизнеса. Получает консультации от невестки - Татьяны, планируется их консолидированная реализация продукции.
Вдова, живет одна – семья дочери живет отдельно.
Планируемый кредит необходим для установки еще одной теплицы, в которой ожидается выращивание овощей.

Нуждается в вашей помощи для финансирования пленки и капельного полива.

Additional Information

About Agro Capital Management

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

ACM uses a financing model that is relatively unique. Typically, a microfinance institution will lend money to farmers, who then purchase products they need to have a successful harvest and pay back the loan. In ACM's model, the organization purchases the agricultural goods before reselling them to small farmers on an affordable payment plan. This allows farmers to begin using the goods they buy without having to pay in full upfront.

As part of ACM's offering, clients receive training to improve crop yields. In order to cover its costs, the organization charges a small service fee. The amount of each Kiva loan includes both the cost of agricultural supplies and the service fee. As with all Kiva loans, repayments will be returned to lenders on the schedule outlined.

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