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Update on Ludmila

Ludmila sells women's clothing. Her products primarily include suits for women, dresses, skirts and blouses. She has been in this business for over seven years. Her retail outlet has a good location and she has her own loyal customers.

She plans to invest 24,000 UAH to purchase new models of seasonal summer clothing, specifically, sundresses, blouses and plus-sized dresses. The additional financial support would help Ludmila upgrade her merchandise to contemporary fashions. She has already pre-ordered the merchandise at the distribution center, where it is ready to be picked up as soon as she provides payment.
View original language description ↓
Людмила торгует женской одеждой. В основной ассортимент ее товара входят костюмы для женщин, платья, юбки и блузки. Этим бизнесом она занимается уже 7 лет. Торговая точка расположена очень выгодно, есть свои постоянные клиенты.
Сумму в 24 000 гривен она планирует вложить в закупку новых моделей летней сезонной одежды, а именно, сарафанов, блузок и платьев для полных женщин. Дополнительная финансовая помощь поможет Людмиле обновить модный ассортимент. Товар она уже предварительно заказала на оптовой базе, где он ожидает отгрузки, осталось только оплатить его.

Previous Loan Details

Ludmila lives and works in the town of Novomoskovsk. She is a market salesperson. Ludmila is involved in selling women's clothing at one of the town's local markets, specifically at the Slavyanskiy market. She sells suits for women, dresses, skirts, blouses and sweaters. Ludmila's retail outl... More from Ludmila'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
  • 7
    View loans »
    Ukraine Loans Fundraising
  • $6,400,750
    Funds lent in using Kiva
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Ludmila to purchase summer merchandise.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jun 27, 2013
Jun 30, 2013
Currency Exchange Loss:
Feb 17, 2014