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Zarema is an entrepreneur from Simferopol, Ukraine who is very successful in her business. She operates a bustling little kiosk where she sells an attractive array of retail items, like slippers, socks, underwear, etc. Zarema started her business as an open air market vendor. Currently, she has been in business for 18 years. With her new kiosk her net profit has increased to $700 per month.

Zarema understands the value of customer service - a quality which sets her apart from many other business owners. She is attentive and polite to her customers and tries to give them each her individual attention and this is why she has many loyal patrons.

Zarema has requested a loan for two purposes. She'd like to use some of the money as working capital to buy necessary inventory, but her primary goal is to use some funds to help open new vending kiosks in the future. With her history thus far as an entrepreneur, it will be exciting to watch how her business will grow and prosper.

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.

About Ukraine

  • $8,200
    Average annual income
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,313,275
    Funds lent in using Kiva
  • 4.8
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Zarema to purchase additional merchandise.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 25, 2008
Sep 11, 2008
Currency Exchange Loss:
Mar 16, 2009