Update on SvetlanaSvetlana is married. She has two children. She has her own business. Svetlana sells women's clothing, head wear, and scarves. Thanks to a previous loan, Svetlana was able to buy more goods and to get additional profit.
This time, Svetlana is requesting a loan of 10,000 hryvnia to repair her apartment. WIth this money, she wants to put tiles on the kitchen floor, to put up wallpaper, to make a plasterboard ceiling, and to repair the floor. Similarly, she would like to replace the front door. The loan will help improve the living conditions of her family.
Светлана замужем. У нее двое детей. Она имеет свой бизнес. Светлана занимается продажей женской одежды, головных уборов и шарфов. Благодарая предыдущему кредиту Светлана смогла закупить больше товара и получить дополнителную прибыль.
В этот раз Светлана просит предоставить ей кредит в сумме 10000 гривен на ремонт квартиры. На эти деньги она хочет положить кафель на пол в кухне, поклеить обои, сделать гипсокартонный потолок и отремонтировать пол. Также она хотела бы заменить входную дверь. Кредит поможет улучшить жилищные условия ее семьи.
Previous Loan DetailsSvetlana lives in the city of Melitopol with her husband and her daughter. She sells hats and scarves at one of the local markets. The broad assortment and prices affordable to the average purchaser gives Svetlana an advantage versus the competitors. She has been in this business for 13 years alr... More from Svetlana'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.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.
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