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Update on Ludmila

Ludmila sells women's clothes -- skirts, knits, slacks and suits -- from a rented store space. She used her previous KIVA loan to expand her inventory and was able to increase her sales and make additional profit for her family.

This time, Ludmila is requesting a 24,000 UAH loan to increase the assortment of her fall inventories. She will purchase skirts, sweaters, and light coats in bulk at good prices now. Her loan will give Ludmila the opportunity to earn additional income and take better care of her three children. She is a widow and does the best she can to provide her children with everything they need, especially a good education.

Previous Loan Details

Ludmila is a widow and has three adult children. She is a businesswoman and has been working in retail for five years. Ludmila sells women's clothes - skirts, knits, slacks and suits from a rented store space. She makes sure to only offer quality items and regularly travels to shop for new invent... 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
  • 5
    View loans »
    Ukraine Loans Fundraising
  • $6,342,325
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Ludmila to increase the assortment of her fall inventory.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 2, 2013
Aug 13, 2013
Currency Exchange Loss:
Aug 17, 2014
This photo was used before for a previous loan for Ludmila. It was first posted on Kiva on Aug, 2012. Learn More