Update on NatalyaNatalya is a businesswoman from the town of Nikopol. She sells shoes and clothing in a small store. Thanks to the previous Kiva loan Natalya was able to buy seasonal merchandise. The sales were good and she was able to increase her profit.
The rental cost has increased due to the reconstruction taking place at the trade center where Natalya's store is located. Nevertheless the additional profit has helped Natalya cope with this difficulty.
The shoes will be in high demand with the arrival of spring even though Natalya sells not only shoes but clothing too. This is why she wants to take a loan to buy a batch of shoes for the spring. Thanks to the loan Natalya is planning to get an additional profit with the coming of spring.
В связи с тем, что в торговом центре, в котором расположен магазинчик Натальи, проводится реконструкция, возросла арендная плата. Тем не менее дополнительная прибыль помогла Наталье справиться этой трудностью.
Несмотря на то, что Наталья торгует не только обувью, но и одеждой, когда придет весна, то первым делом будут спрашивать обувь. Поэтому Наталья хочет взять кредит, чтобы закупить партию весенней обуви. Благодаря этому она планирует получить дополнительную прибыль с приходом весны.
Previous Loan DetailsNatalya lives in east of Ukraine, in the town of Nikopol. She has a husband and three grown children, who live separately. Natalya sells women's clothing and shoes. The merchandise, that Natalya offers in her store, is more exclusive and of high quality, and not cheap. She has loyal customers.… More from Natalya'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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