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Update on Yulia

Yulia lives and works in Novaya Kahovka. She sells trendy women's clothing. Yulia rents a stall in a local shopping center. She has been in clothing sales for seven years.
This time Yulia needs 4,000 UAH to buy fall clothing for sale, such as tops, sweaters, skirts, and slacks. Yulia is an experienced merchant and knows when and where to buy merchandise. This time Yulia has planned a trip to buy fall clothing and hopes to buy a new batch of quality and fashionable merchandise at an affordable price.
View original language description ↓
Юлия живет и работает в Новой Каховке. Она торгует стильной женской одеждой. Арендует торговое место у администрации одного местного торгового центра. В торговле она уже 7 лет.
В этот раз Юлии необходима сумма в 4000 гривен для того, чтобы закупить осеннюю одежду на продажу, а именно, кофты, свитера, юбки и брюки. Юлия уже имеет достаточный опыт торговли, знает, когда и где лучше брать товар. Вот и в этот раз она запланировала поездку на закупку осенней одежды и надеется недорого приобрести новую партию качественного и модного товара.

Previous Loan Details

Yulia is married and has two small children. She sells women's clothing at the Tsentralniy department store in Novaya Kahovka. Her working capital is 30,000 Hryvnias and her monthly income is about 6,000 Hryvnias. Yulia started this business six years ago because her family was in need. She be... More from Yulia'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
  • 4
    View loans »
    Ukraine Loans Fundraising
  • $6,342,700
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Yulia to purchase a new batch of quality and fashionable merchandise.
100% repaid
Repayment Term
4 months (Additional Information)
Repayment Schedule
At end of term
Aug 23, 2012
Sep 9, 2012
Currency Exchange Loss:
Nov 15, 2012