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Update on Yulia

Yulia decided to once again apply for a loan from Kiva, because thanks to her last loan she was able to expand her selection of goods, increase income and profits, and made her retail location more attractive. This time, she has decided to invest her loan of 20,000 UAH into expanding her inventory of fashionable warm clothing for young women. Yulia previously worked under her husband's business license, but after her maternal leave, she has received her own registration and has been able to grow her business. She enjoys being independent and investing her time and energy into her business.
View original language description ↓
Юлия решила снова воспользоваться кредитом КИВА, потому что благодаря последнему кредиту она смогла расширить ассортимент товара, увеличить свой доход, получила дополнительную прибыль, сделала привлекательной свою торговую точку. В этот раз она решила вложить кредит в 20 000 гривен в закупку теплой модной молодежной женской одежды.
Юлия раньше работала, используя свидетельство регистрации частного предпринимателя своего мужа. Но после декрета она смогла оформить свои предпринимательские документы и раскрутила бизнес еще больше. Ей нравится быть независимой и самостоятельной и вкладывать силы и время в свое дело.

Пометка: история на РУССКОМ языке

Previous Loan Details

Yulia is married and has two small children. She sells women's clothing at the Tsentralniy department store in Novaya Kahovka. Her working capital is 30,000 Hryvnias and her monthly income is about 6,000 Hryvnias. Yulia started this business six years ago because her family was in need. She be... More from Yulia'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
  • 6
    View loans »
    Ukraine Loans Fundraising
  • $6,552,350
    Funds lent in using Kiva
  • 8.0
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,525 helped Yulia to purchase additional inventory of trendy warm clothing for women.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 20, 2011
Nov 1, 2011
Currency Exchange Loss:
Mar 15, 2012
This photo was used before for a previous loan for Yulia. It was first posted on Kiva on Jan, 2011. Learn More