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Update on Valentina

Valentina sells sporting clothes and has two sales points. One is located in the shopping center "Bashni" ("Tower"), on the fourth floor. The other is at the central market.

Valentina sells both women's and men's sporting clothes: Sporting pants, track suits, t-shirts, hoodies and jerseys.

Valentina requests a loan for the purchase of winter goods: Insulated pants, warm shirts and jackets. Valentina is a decent and honest client, who always pays back her loan on time.
View original language description ↓
Валентина торгует спортивной одеждой и имеет две торговых точки. Одна расположена в Торговом Центре "Башни" на 4-ом этаже, другая - на Центральном рынке. Валентина торгует как женской так и мужской спортивной одеждой: спорт. штаны, костюмы, футболки, толстовки, майки. Валентина просит предоставить ей кредит для закупки зимнего товара: утепленных штанов, теплых футболок, и курток. Валентина - порядочная и честная клиентка, которая всегда во время выплачивает кредиты.

Previous Loan Details

Valentina is married with two children. She is an entrepreneur from Berdyansk. Valentina sells sportswear and footwear at two different locations: she owns an outlet in a local mall called ‘Bashny’ (‘Towers’) and a vending kiosk at the central city market. She has been in the market for about 10 ... More from Valentina'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
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Valentina to purchase winter goods: Insulated pants and jackets.
100% repaid
Repayment Term
4 months (Additional Information)
Repayment Schedule
At end of term
Oct 19, 2012
Nov 7, 2012
Currency Exchange Loss:
Jan 15, 2013
This photo was used before for a previous loan for Valentina. It was first posted on Kiva on Nov, 2010. Learn More