Update on VeraVera is from Vinogradova. She has already received financial assistance from Kiva, which helped her to improve her family's income and increase the assortment of wares that she sells. In the last little while the income from her business has increased by 1000 UAH and her family has been able to being building and putting together their own home. The family is living in an apartment during the building. Vera needs 30,000 UAH to accelerate the house building process. Specifically, she needs to put in ceramic tile on the walls and floor in the bathroom and install a toilet, wash basin, and bathtub, put ceramic tiles on the floor of the boiler room, and install laminate in one of the living rooms. The sooner they can finish the repairs on their home, the sooner they can stop renting their apartment and life independently and free.
Сумма в 30 000 гривен нужна Вере для ускорения процесса ремонта дома, а именно — чтобы облицевать керамической плиткой стены и пол в ванной, установить унитаз, умывальник и ванну; облицевать керамической плиткой пол в котельне и настелить ламинат на полу в одной из жилых комнат. Чем скорее семья закончит ремонт своего жилья, тем скорее сможет съехать с арендованного помещения и жить самостоятельно и свободно.
Previous Loan DetailsThanks to her preceding loan, Vera expanded her range of swimwear, increased trade and earned extra income. Now, she and her husband started building their home. They are building slowly, by themselves. This time, Vera is asking for a loan to purchase seasonal goods. She plans to attract more… More from Vera'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.
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.
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