Update on NataliaNatalia sells clothes at the city market. A year ago, she tool advantage of a loan to buy school clothes. She was successful in how she invested the funds and earned an additional profit.
This year, a supplier offered Natalia deep discounts on clothing orders. The discounts are on school clothes and other fall clothing such as heavy pants, shirts, blouses, jackets and so forth. Natalia is asking for a loan so she can buy fall clothing at an advantageous price. The loan will allow her to earn extra profit and to improve her and her son's well-being. Natalia's business is their only source of income.
В этом году фирма-поставщик предложила Наталье существенные скидки на закупку одежды. Сюда входит как одежда для школьников, так и прочая осенняя одежда (штаны, рубашки, блузки, пиджаки, пр.). Наталья просит предоставить ей кредит для закупки осенней одежды по выгодной цене. Кредит позволит ей получить дополнительную прибыль и улучшить благосостояние своей семьи. Бизнес Натальи является единственным источником дохода для нее и ее сына.
Previous Loan DetailsNatalia is a divorcee and has one son. She is a business owner and sells women's and sports clothing at the central market in Novaya Kahovka. She has worked in retail for 11 years. Natalia knows which clothing styles are in demand and has regular customers. Natalia wants to develop her business as… More from Natalia'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.
2View loans »
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Aug 1, 2013
- Aug 13, 2013
- Currency Exchange Loss:
- Aug 17, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.