Update on NatalyaNatalya has used financial assistance from KIVA several times already. Her last credit helped Natalya expand her inventory and purchase children jackets and windbreakers. Due to the increased profits from the sale of goods she purchased with the loan Natalya was able to continue improving her house and has almost finished renovating which has been her longstanding dream.
This time Natalya would like to take out a loan of 4000 griven so that she can purchase hats for resale. Her experience in retail has taught Natalya that during the switching of the seasons it's important to quickly expand one's winter inventory, since the more one invests in it early the better the profits will be in the end.
В этот раз Наталье необходима сумма в размере 4 000 гривен для того, чтобы закупить зимние головные уборы под реализацию. Работая в сфере рыночной торговли уже несколько лет, Наталья обнаружила, что в этот период смены сезонов очень важно начать наращивать ассортимент зимнего товара, потому что чем больше в него вложишь, тем больше потом можно получить прибыли.
Previous Loan DetailsNatalya lives in Nikopol. She is a entrepreneur at the market, where she sells a most diverse assortment of goods: children's jackets, windbreakers, men's and women's hats, as well as backpacks and camping gear. Natalya has already been selling hats for quite some time; she started 15 years ag... More from Natalya'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
- 3 months (Additional Information)
- Repayment Schedule
- At end of term
- Oct 9, 2012
- Oct 14, 2012
- Currency Exchange Loss:
- Dec 15, 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.