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Update on Galina

Galina used her previous loan to purchase dishes, having sold them she earned additional income. This time Galina would also like to purchase an additional lot of dishes - pots and pans. The holidays are coming - the season of gifts - and her products are in higher demand. Galina would like to take advantage of this business opportunity.
View original language description ↓
Галина использовала предыдущий кредит для закупки посуды, продав которую она получила дополнительную прибыль. В этот раз Галина также хочет закупить дополнительную партию посуды - кастрюли и сковородки. Приближаются праздники - сезон подарков - и ее товар будет пользоваться повышенным спросом. Галина хочет использовать эту бизнес возможность.

Previous Loan Details

Galina works at the local central market. She has two sections: one with dishes - pots, pans, cups, knives, baking forms - and a second with accessories - bags, hats, wallets. She often makes trips to Odessa and Kharkov to purchase goods at distribution centers, and she needs this loan for routin... More from Galina'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
  • 7
    View loans »
    Ukraine Loans Fundraising
  • $6,400,750
    Funds lent in using Kiva
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Galina to purchase an additional lot of dishes for the holidays.
100% repaid
Repayment Term
3 months (Additional Information)
Repayment Schedule
At end of term
Nov 7, 2012
Nov 26, 2012
Currency Exchange Loss:
Jan 15, 2013
This photo was used before for a previous loan for Galina. It was first posted on Kiva on Oct, 2012. Learn More