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Svetlana
Svetlana works with selling women's clothing at a shopping center. She already took used microfinancing through Hope Ukraine and with their help she was able to increase her income one and a half times (to 3,000 hryvnia).

This winter the shopping center manager, where Svetlana's store is located, decided to turn off the heating to save money. On one hand, Svetlana's rent did not increase (as she will not have to pay for heating), on the other hand it will be very cold and not comfortable for the sales people, nor for the customers. Though, if Svetlana was selling at an open market space, it would be worse. Therefore, Svetlana hopes that the future change will not have much impact on her business.

Svetlana would like to expand her business. She wants to increase the assortment of goods in order to attract more customers. Svetlana requests a loan in the amount of 30,000 hryvnia to purchase goods: Jeans, sweaters, jackets and skirts. Svetlana decided to get married next year and now she has already started preparing for the wedding.
View original language description ↓
Светлана занимается продажей женской одежды в торговом центре. Она уже пользовалась микрокредитами от Надежды Украины и с их помощью смогла увеличить свой доход в полтора раза (на три тысячи гривен).

Этой зимой руководство торгового центра, где расположена тогровая точка Светланы, собирается отключать отопление с целью экономии денег. С одной стороны аренда у Светланы не увеличиться (не надо будет платить за отпопление, а с другой сторны будет ходолно и не комфортно как продавцам, так и клиентам. При этом, если бы Светлана торговала на открытом базаре, было бы еще хуже. Так что Светлана надеется, что эти грядущие изменения не сильно скажуться на ее бизнесе.

Светлана хочет развивать свой бизнес. Она увеличит ассортимент товара, чтобы завлечь больше покупателей. Светлана просит предоставить ей кредит в сумме 30000 гривен на закупку товара: джинсы, кофты, куртки и юбки.

Светлана собирается выходить замуж в следующем году и сейчас уже начинает готовиться к свадьбе.

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.

Tags

About Ukraine

  • $8,000
    Average annual income
  • 0
    View loans »
    Ukraine Loans Fundraising
  • $6,145,200
    Funds lent in using Kiva
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $3,675 helped Svetlana to purchase goods such as jeans, sweaters, jackets and skirt.
58% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 4, 2013
Listed
Nov 10, 2013
Currency Exchange Loss:
Possible
Ended:
Feb 20, 2015