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Update on Lubov

Lubov sells merchandise used for ceremonies at the city's central market. She has used KIVA loans before and considers them useful for her business. One year ago, thanks to a KIVA loan, Lubov was able to make wreathes for sale and increase her income. That is why this year Lubov also wants to take advantage of a loan and take out an amount three times bigger than the last time - 15,000 UAH. This amount will allow Lubov to develop her business and, as a result, fundamentally improve her family's welfare.
View original language description ↓
Любовь продает ритуальные товары на центральном рынке города. Она уже пользовалась КИВА кредитами и считает их выгодными для своего бизнеса. Год назад благодаря КИВА кредиту Любовь смогла изготовить венки для продажи и увеличить свой доход. Поэтому в этом году Любовь также хочет воспользоваться кредитом и взять сумму в три раза больше, чем в прошлый раз - 15,000 гривен. Такая сумма позволит Любви развить свой бизнес и в результате существенно увеличить благосостояние своей семьи.

Previous Loan Details

Liubov is married with two children. She has her own business. In the central market, Liubov sells ceremonial goods. She owns a kiosk. Liubov is always trying to provide her customers with a wide range of products. She is hardworking, sincere and open. Liubov is asking for a loan of 5,000 ... 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
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,342,700
    Funds lent in using Kiva
  • 9.5
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Lubov to purchase supplies to make artificial flower arrangements.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 26, 2014
Mar 15, 2014
Currency Exchange Loss:
Jul 19, 2015