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Update on Lubov

Lubov sells household products in the market. She has already used Kiva for a loan, thanks to which she was able to increase her turnover and thus her profit. Lubov's elder son is married and no longer lives in the family home. Her younger son is finishing his college education and also plans to marry. Lubov's husband had faced some health problems in the past, but now he is back to normal. She needs a loan this time to expand her offering of goods so she can meet her customers' increasing demands. She plans to continue expanding her business, as she hopes to have a grandchild soon.
View original language description ↓
Любовь торгует на рынке товарами для дома. Она уже пользовалась КИВА кредитами, благодаря которым смогла увеличить торговый оборот и соответственно прибыль.
Старший сын Любви женился и живет отдельно. Младший заканчивает учебу в колледже и также планирует жениться. Были проблемы со здоровьем мужа Любви, но сейчас все уже в прошлом.
В этот раз кредит понадобился для увеличения ассортимента товара в связи с повышенным спросом. Любовь планирует продолжать развивать свой бизнес. Также она надеется, что скоро у нее появятся внуки.

Previous Loan Details

Lubov K. is married and has two sons. She runs a small retail business that offers a wide range of practical products from tape and screwdrivers to flashlights and electric cords. Lubov has been in this business for 12 years. For the last couple of years, the business has become a family one... More from Lubov'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
  • $6,300,650
    Funds lent in using Kiva
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Lubov to increase her assortment of goods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 7, 2012
Dec 3, 2012
Currency Exchange Loss:
Apr 17, 2013