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Karlo is married and has one daughter. Karlo works as a nurse assistant in a hospital. He also has an additional source of income: he grows fruit tree seedlings and resells them. He also sells fruits.

Karlo and his family live in their own house. The house is quite old, and the windows and doors do not provide enough isolation from the cold, which is why in winter a lot of money is spent on heating. Karlo would like to renovate his come: to install new energy-saving windows, to change the doors and make minor renovations inside. He is sure that, after his renovation, his home will be not only warmer but more attractive.
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Карло женат, имеет одну дочь. Карло работает санитаром в больнице. Также у него есть дополнительный доход - Карло выращивает саженцы фруктовых деревьев и продает их; также он продает фрукты.

Карло с семьей проживает в собственном доме. Дом старенький, окна и двери не держат тепло, поэтому зимой уходит много денег на отопление. Карло хочет сделать ремонт в доме - вставить новые энергосберегающие окна, поменять двери, сделать небольшой ремонт внутри дома. Он уверен, что его обновленный дом будет не только теплее, но и красивее.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Ukraine

  • $8,200
    Average annual income
  • 1
    View loans »
    Ukraine Loans Fundraising
  • $6,399,475
    Funds lent in using Kiva
  • 9.5
    Ukraine Hryvnia (UAH) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,550 helped Karlo to improve his living conditions.
71% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 14, 2014
Mar 16, 2014
Currency Exchange Loss: