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Update on Ludmila

Ludmila grows cucumbers and tomatoes on her property. She is energetic and enterprising. She has been successful working in the garden, and also sells fish at the market with her husband. Their son is also helping develop the business. He lives and works with them. Recently Ludmila noticed that a nice house with a large piece of land with two large greenhouses is up for sale.

She knows that her son must buy this property so that he can expand their business, and live there separately. Having experience with loans from KIVA, Ludmila did not hesitate to contact Hope Ukraine for a loan. Ludmila and her family are grateful for the ability to expand their business and housing thanks to KIVA loans, and they hope for continued collaboration.
View original language description ↓
Людмила выращивает огурцы и помидоры на своем участке. Она очень активная и предприимчивая, успевает потрудиться на огороде и еще поторговать рыбой на рынке вместе с мужем. Развивать бизнес им помогает сын, они живут и трудятся все вместе. Недавно Людмила Николаевна увидела, что продается хороший дом с большим участком земли, где есть две больших теплицы.

Она поняла, что его обязательно нужно приобрести, это расширит их бизнес, да и сын сможет жить уже отдельно. Имея опыт кредитования бизнеса от КИВЫ Людмила не раздумывая обратилась за кредитом в « Надежду Украины». Людмила и ее семья благодарны за возможность расширения бизнеса и жилья благодаря КИВА кредитам и надеются на дальнейшее сотрудничество.

Previous Loan Details

Ludmila is married and has two grown sons who live on their own. She and her husband run a farm. Ludmila has been growing vegetables for over 35 years. She has her own large plot of land with three greenhouses. Ludmila is planning to install heating in all of three of them. She works dilig... 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
  • 6
    View loans »
    Ukraine Loans Fundraising
  • $6,400,325
    Funds lent in using Kiva
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $4,900 helped Ludmila to buy a house with large piece of land and two greenhoues.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 17, 2013
Nov 10, 2013
Currency Exchange Loss:
Sep 17, 2014