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Valentina is a bright example of a self-made entrepreneur. She started her small venture 10 years ago in hard times during the shaky economic transformation of a developing state. An urgent need to find ways to support her family was the factor that motivated her in business endeavors. Today Valentina has learned a lot in the school of life about competition. She has a stable and growing business selling clothing in one of the local marketplaces in her home town of Kahovka. Presently, she has $4,000 in merchandise. Her net profit is about $440 a month.

Valentina is divorced, her children are grown, and she can devote a lot of energy to her developing enterprise. She always says she enjoys watching her business growing and becoming more and more stable as time goes by. Valentina is seeking a 5,000 Grivna loan for further expansion of her business. We believe this client’s credit history, outstanding performance and significant achievements secure prompt repayment of the current loan as well.

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
  • 1
    View loans »
    Ukraine Loans Fundraising
  • $6,399,475
    Funds lent in using Kiva
  • 5.9
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Valentina increase income.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 7, 2008
Oct 23, 2008
Currency Exchange Loss:
Dec 15, 2009