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Natalya

Update on Natalya

Natalya has not had an easy life, and in order to get success she has had to work a lot. When she got married, it was difficult for her and her husband to find work in the village and the family had financial difficulties. They lived together with their parents and decided to work with a traditional business, which their parents worked with all their lives: Growing vegetables. They began to make every effort to develop this business.

This entrepreneur is very hardworking and accurate, the house and the garden is always in order. However, in order to get the best results, she needs more investment. Therefore, on the advice of her friends, she asked for help from Hope Ukraine. Thanks to the previous loan, Natalya was able to install heating in two out of four of the greenhouses, which increased the income. Therefore, Natalya would like to install heating in the remaining two greenhouses this year, and install a new, powerful heater, which will heat all the greenhouses. This is Natalya's dream and she works diligently to realize her dream!

Natalya requests a loan in the amount of 40,000 hryvnia for the heater and already this winter, the cold will not be intimidating. Natalya and her husband will be able to sow early seedlings and then the income will increase considerably.
View original language description ↓
Наталье пришлось в жизни не легко, чтобы добиться успеха нужно много трудиться. Когда она вышла замуж ей, и мужу трудно было найти работу в селе и семья испытывала фин.затруднения. Они жили дружно с родителями и решили заняться привычным делом, тем чем занимаются всю жизнь их родители, выращивать овощи. Стали прилагать все усилия чтобы развить этот бизнес.

Клиентка очень трудолюбивая и аккуратная, в доме и на огороде всегда порядок. Однако для лучших результатов нужны большие вложения, поэтому она по совету друзей обратилась за помощью в «Надежду Украины». Благодаря предыдущему кредиту Наталья смогла сделать отопление в двух теплицах из четырех, что увеличило доход. Поэтому в этом году Наталья хочет провести отопление в оставшихся двух теплицах и поставить новый мощный котел, который будет отапливать все теплицы. Это – мечта Натальи и она усердно трудится, чтобы ее мечта осуществилась!

Наталья просит предоставить ей кредит в размере 40,000 гривен на отопительный котел и уже в эту зиму морозы будут не страшны. Наталья вместе с мужем сможет высадить раньше рассаду и тогда точно доход значительно увеличится.


Previous Loan Details

Natalya is from Kamenki. She grows tomatoes, cucumbers and radishes in greenhouses. She has four large greenhouses, as well as greenhouses for seedlings. She has been in this line of work for about 16 years. Last year, Natalya fell into debt because of a serious illness and the sudden death o... More from Natalya'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
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,300,650
    Funds lent in using Kiva
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $4,900 helped Natalya to install a new, powerful heater to heat all her greenhouses.
68% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Oct 7, 2013
Listed
Nov 10, 2013
Currency Exchange Loss:
Possible
Ended:
Sep 17, 2014