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Update on Katerina

Katerina has been using Kiva's loans twice now. She invested the previous loans into selling of sweets. Even though she put a lot of effort to make her business grow and bring in regular profit the sweets frequently went bad because all of the goods were not sold in time. Because of that Katerina sustained some losses. This is why she decided to entirely change her business model and started to sell women's and children's clothing and by that has increased her income.

This time Katerina has come for a loan in the amount of 5,000 hryvnia to buy women's sweaters and children's jackets to sell during the winter season. Right now Katerina is not afraid of losses as before and hopes that she can invest more money into the continuous growth of her own business.
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Катерина уже два раза пользовалась кредитами КИВА. Предыдущие кредиты Катерина вкладывала в торговлю сладостями. Несмотря на все усилия, которые она прикладывала к тому, чтобы бизнес стабильно развивался и приносил постоянную прибыль, сладости часто портились вследствие того, что вся продукция не реализовывалась вовремя. Из-за этого Катерина несла определённые убытки. Поэтому она решила полностью поменять вид деятельности и занялась реализацией женской и детской одежды, за счёт чего стал увеличиваться и доход.
В этот раз Катерина обратилась за суммой в размере 5 000 гривен для того, чтобы закупить женские свитера и детские курточки под реализацию в зимнее время года. Теперь Катерина не боится убытков, как раньше, и надеется, что сможет вкладывать больше средств в последующее развитие собственного бизнеса.

Previous Loan Details

Katerina is divorced with two grown daughters. She is an entrepreneur from Beregovo, Western Ukraine. Katerina sells groceries in the food department of a local mall. She has been working in this sphere of trade for 8 years. Katerina has gained good knowledge in marketing and sales. She always of... More from Katerina'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
  • 4
    View loans »
    Ukraine Loans Fundraising
  • $6,300,650
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $625 helped Katerina to buy women's sweaters and children's jackets.
92% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 29, 2013
Currency Exchange Loss:
Aug 17, 2014