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Elena is a woman-farmer. She has been involved in growing cucumbers and tomatoes since 2003. Her husband and 25 year-old son, who is also involved in a farming business, help her with the business. The development of the business started with a greenhouse, where they grew baby cucumbers. Elena and her husband decided to purchase plastic for covering the greenhouse for protecting cucumbers and tomatoes from cold and wind, and a drip line for watering cucumbers and tomatoes in the summer period. Her future plans are to grow the greenhouses, purchase a mini-tractor for plowing and treat the land. Her personal plans are to complete her house construction and purchase a car. Elena needs your help for financing the plastic and drip irrigation.
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Елена - женщина фермер. С 2003 года занимается выращиванием огурцов и помидоров.
Справляться по хозяйству ей помогает муж и 25 -ти летний сын, который занимается фермерским хозяйством.
Развитие деятельности начиналось с теплицы, где выращивали молодой огурец.
Елена с мужем решила приобрести пленку для перекрытия теплицы для защиты огурца и помидора от холода и ветра, капельную ленту для полива огурцов и помидоров в летний период.
В планах на будущее: развивать теплицы, купить мини трактор для вспашки и обработки земельного участка.
В личных планах: достройка дома для проживания, купить автомобиль.
Нуждается в вашей помощи для финансирования пленки и капельного полива.

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
  • 7
    View loans »
    Ukraine Loans Fundraising
  • $6,400,750
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,325 helped Elena to purchase plastic for greenhouses and a drip irrigation system.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 14, 2012
Jan 11, 2013
Currency Exchange Loss:
Jan 17, 2015