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Update on Yuliya

Yuliya began taking loans long ago. She finds that credit is a convenient way to grow a business. At this time, she would like to use a loan to purchase a new variety of seeds and fertilizer. With her previous loan, Yuliya was able to expand her shop space by renting an additional space across from her stall and putting some of her goods there. Everything in Yuliya's family and business life is normal. She needs to do some repairs at home, but has not had the time yet. Yuliya's son finished studying and now works with the police. Her daughter studies at sports school; this year she will finish the final year and plans to go to a college.
View original language description ↓
Юлия начинала брать кредиты давно. Считает, что кредитование - удобный способ развития бизнеса. На этот раз она хочет воспользоваться кредитом для закупки новых сортов семян и удобрений. За счет прошлого кредита Юлия расширила торговое место, арендовала еще одно торговое место напротив своего ларька и теперь выкладывает часть товара туда.

У Юлии в семье и в бизнесе все нормально. В доме нужно делать ремонт, но пока на это нет времени. Сын Юлии закончил учебу и уже работает в милиции. Дочь учится в спортшколе, в этом году заканчивает последний класс и собирается поступать в колледж.

Previous Loan Details

Yuliya owns a retail business that sells various agricultural products, including seeds, fertilizers, and bug killers. Yuliya has a large assortment of products, affordable prices, and a good reputation at the market. She has many repeat clients who buy items from her to use on their gardens. ... More from Yuliya'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 Yuliya purchase new seed varieties and fertilizer.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 4, 2011
Nov 28, 2011
Currency Exchange Loss:
Jun 22, 2012
This photo was used before for a previous loan for Yuliya. It was first posted on Kiva on May, 2011. Learn More