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Ludmila is a farmer. Since 2003, she has been cultivating cucumbers and tomatoes. Ludmila's husband and her 28-year-old son help her with the business. She started her farming activity by growing cucumbers in an open field.

Ludmila has decided to purchase plastic film to re-cover her greenhouse and protect her cucumbers and tomatoes from cold and wind. In the future, she plans to expand the planting of her vegetables. Ludmila also hopes to finish constructing her family's new house. Presently, she needs your help to finance the purchase of plastic greenhouse cover.
View original language description ↓
Людмила - женщина фермер. С 2003 года занимается выращиванием огурцов и помидоров.
Справляться по хозяйству ей помогает муж и 28 - ми летний сын.
Развитие деятельности начиналось с выращивания молодых огурцов в открытом грунте.
Людмила решила приобрести пленку для перекрытия теплицы для защиты огурца и помидора от холода и ветра.
В планах на будущее: увеличить посадку огурцов и помидоров.
В личных планах: достроить дом для проживания.
Нуждается в вашей помощи для финансирования пленки для теплицы.

Additional Information

About Agro Capital Management

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

ACM uses a financing model that is relatively unique. Typically, a microfinance institution will lend money to farmers, who then purchase products they need to have a successful harvest and pay back the loan. In ACM's model, the organization purchases the agricultural goods before reselling them to small farmers on an affordable payment plan. This allows farmers to begin using the goods they buy without having to pay in full upfront.

As part of ACM's offering, clients receive training to improve crop yields. In order to cover its costs, the organization charges a small service fee. The amount of each Kiva loan includes both the cost of agricultural supplies and the service fee. As with all Kiva loans, repayments will be returned to lenders on the schedule outlined.

About Ukraine

  • $8,200
    Average annual income
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,313,275
    Funds lent in using Kiva
  • 8.0
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,675 helped Ludmila to purchase plastic film for her greenhouse.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 10, 2013
Currency Exchange Loss:
Jan 29, 2014