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Update on Lubov

Lubov is a responsible, intelligent, hardworking person. For many years, she worked as a secretary at a state farm, and was loved and respected by her coworkers for her kind, sympathetic heart.

Lubov is now retired and can devote more time to her home business of growing tall tomatoes. In the past, Lubov worked in the garden with her husband, but he is now handicapped with spine problems and can only move with the aid of crutches. Lubov worries a lot about her husband and it was very difficult for her to continue with her business, but she now gets help from her son and they work together.

Thanks to previous Kiva loans, Lubov and her son built and equipped two greenhouses. There is enough space on her land for one more greenhouse. To avoid losing a year, Lubov decided to request a loan of 20,000 UAH and build the additional greenhouse.

Lubov loves her three children. The oldest are already independent, but the youngest needs support. Lubov is therefore doing all she can to help her youngest son get on his feet.
View original language description ↓
Любовь очень ответственный, интеллигентный, трудолюбивый человек. Много лет она трудилась в совхозе секретарем, сотрудники ее любили и уважали за доброе, отзывчивое сердце. Сейчас Любовь на пенсии и теперь она может больше времени уделять своему домашнему хозяйству. Она выращивает высокорослые помидоры. На огороде она всегда трудилась вместе с мужем, но теперь муж инвалид, у него проблемы с позвоночником, передвигается только с помощью костылей. Любовь очень переживает за мужа и ей было бы очень тяжело вести свое хозяйство, но у нее есть помощник, сын с которым вместе трудятся.

Благодаря предыдущим КИВА кредитам, вместе с сыном Любовь построила и оборудовала две теплицы. На ее участке еще осталось место для одной теплицы. Чтобы не терять год, Любовь решила обратиться за кредитом в 20,000 грн. и построить на эти деньги дополнительную теплицу.

Любовь очень любит своих детей, а их у нее трое. Старшие уже самостоятельные, а младший нуждается в поддержке, поэтому она делает все возможное чтобы и младший сын мог начать самостоятельую жизнь.

Previous Loan Details

Lubov used her previous loan to build a new greenhouse which allowed her to increase her income. Despite all the difficulties inherent in Lubov's business - falling prices for tomatoes, diseases, bad weather conditions - she is an optimist and believes that hard work is the key to solving any kin... More from Lubov'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
  • 4
    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 $2,450 helped Lubov to repair and renovate greenhouses.
68% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 10, 2013
Currency Exchange Loss:
Sep 17, 2014