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Update on Ludmila

Ludmila used her previous loan to purchase a batch of clothing and was able to make additional profits from their sale. This time Ludmila is requesting a loan for purchasing winter jackets for a whole sale price with an additional discount she was able to arrange with the sellers. Ludmila is planning to sell the jackets at a discounted price herself and so attract more customers for her store.
View original language description ↓
Людмила использовала предыдущий кредит на закупку одежды и получила дополнительную прибыль. В это раз Людмила просит предоставить ей кредит на закупку зимних курток на оптовом рынке, где ей удалось договориться о значительной скидке. Людмила планирует ставить небольшую наценку и таким образом привлечь больше покупателей.

Previous Loan Details

Ludmila is married and has adult children. She lives and runs her business in the town of Kahovka in the Kherson region. Ludmila has been selling women's clothing at the local Kahovka market for 18 years. Currently, the quantity of her merchandise is valued at 60,000 hryvnia. Ludmila needs a ... More from Ludmila'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
  • $6,342,325
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ludmila to purchase winter jackets at a significant discount.
100% repaid
Repayment Term
4 months (Additional Information)
Repayment Schedule
At end of term
Sep 27, 2012
Oct 7, 2012
Currency Exchange Loss:
Dec 15, 2012