Update on SilviyaSilviya sells women's clothing at a market. She has already had loans from KIVA in the past. They helped her increase her amount of goods by 10,000 hryvnia. A few problems surfaced for the business - demand fell. This has happened before, and Silviya knows that to maintain the same level of sales she needs to expand her inventory and invest more money in order to earn the same as before. Silviya is asking for a 15,000 hryvnia loan to buy seasonal goods: shirts, pants, and skirts. She wants to increase income so that she can pay for the living expenses and education of her son in another city. Silviya is grateful to everyone who helps her obtain this business loan.
В бизнесе возникли некоторые проблемы - упал спрос. Такое уже было раньши и Сильвия знает что, чтобы поддерживать уровень торговли нужно увиличить ассортимент, т.е. больше вкладывать денег, чтобы заработать, как и прежде.
Сильвия просит предоставить ей кредит в сумме 15 000 гривен на закупку сезонного товара: блузы, штаны и юбки. Она хочет увеличить доход, чтобы оплачивать проживание и учебу сына в другом городе. Сильвия благодарна всем, кто помогает ей получить этот бизнес кредит.
Previous Loan DetailsThanks to previous loans from Kiva, Silviya has increased her revenue by about 1,500 hryvnia. With the additional profit she is now able to pay for her son's education at a college of economics, which he enrolled in this year. Silviya has increased the assortment of goods at her shop and now has… More from Silviya's previous loan »
About HOPE UkraineHOPE 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.
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