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Update on Yuliya

Yuliya is a small business entrepreneur from Melitopol. She sells funeral products at the local market. She has had her own sales spot for a long time. She has been in this business for 16 years.

Yuliya turned to KIVA for a loan of 15,000 hryvnia in order to purchase wreaths, baskets and garlands for her business. Yuliya understands that her business will always be relevant, because the population will continue to use bereavement services. She hopes to improve her family's living conditions with time and to remodel her apartment if her finances allow.
View original language description ↓
Юлия –предприниматель сектора малого бизнеса из Мелитополя. Она торгует на местном рынке ритуальными товарами. У нее давно есть свое собственное торговое место. Работает в этой сфере уже 16 лет.
Юлия обратилась в КИВА за кредитом в размере 15 000 гривен для того, чтобы закупить венки, корзины и гирлянды для своего бизнеса. Юлия понимает, что ее бизнес всегда будет актуален, потому что население будет неизменно продолжать пользоваться ритуальными услугами. Она надеется со временем улучшить благосостояние своей семьи и сделать ремонт в квартире, если ей позволят это финансы.

Previous Loan Details

Yulia lives and works in Melitopol. She sells various accessories for funerals (wreaths, baskets with plastic flowers and plastic flower garlands) at the local market. She has her own retail space. Yuliya has been working in retail for 16 years. She has applied for this Kiva loan in order to purc... More from Yuliya'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
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,342,700
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Yuliya to purchase wreaths, baskets and garlands for her business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 21, 2013
Jan 25, 2013
Currency Exchange Loss:
Aug 17, 2014