Update on NadezhdaNadezhda lives and works in Melitopol. She sells women's clothing at a large central market. She has her own sales stall and 12 years of experience in the work.
It is important for Nadezhda to purchase goods for the winter season, especially before the holidays, when many people go to the market to get presents. She hopes to invest 22,000 hryvnia in purchasing knitted goods and gowns to sell.
Надежде важно закупить товар к зимнему сезону, особенно перед праздниками, когда многие приходят на рынки за подарками. Она надеется вложить сумму в 22 000 гривен в приобретение изделий из трикотажа и халатов под последующую реализацию.
Previous Loan DetailsNadezhda, her husband and adult son live and work in Melitopol. She sells sports clothes and hats at the local central market. They have been in this line of work for 15 years. Thanks to her considerable work experience, reasonable prices, and good selection, Nadezhda has a significant advantage… More from Nadezhda'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
- 19 months (Additional Information)
- Repayment Schedule
- Dec 14, 2012
- Dec 19, 2012
- Currency Exchange Loss:
- Apr 17, 2013
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.