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Update on Ludmila

Ludmila would like to receive a loan in order to purchase a selection of children's and teen winter clothing, including 30 blouses, 50 jackets, 50 pairs of slacks, and 30 winter coats. The prior loan helped her grow her business, and she has expanded her shop and increased sales volume nearly 1 1/2 times. She and her husband are currently putting the finishing touches on the house they built (they're finishing up the inside), and they plan to move in at the end of next year.
View original language description ↓
Людмила хочет взять кредит, чтобы приобрести зимний ассортимент детской и подростковой одежды - кофты- 30 шт., куртки - 50 шт., брюки -50 шт. , теплые куртки -30шт. Предыдущий кредит содействовал развитию бизнеса. Людмила разширила свою торговую точку и увеличила оборот почти в 1,5 раза. Дом, который Людмила построила вмести со свои мужем, они сейчас доделывают (проводят отделочные работы внутри) и планируют в конце следующего года переехать туда.

Previous Loan Details

Ludmila is married with two daughters, aged 11 and 13 years. She runs a teenage clothing sales business at two different markets of Ivano-Frankivsk: Central Marketplace and Novgorodskyi Market. She launched her venture 9 years ago through lending assistance for start-ups. Her monthly income, whic... More from Ludmila'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
  • 2
    View loans »
    Ukraine Loans Fundraising
  • $6,441,575
    Funds lent in using Kiva
  • 8.0
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,200 helped Ludmila to broaden her selection of winter clothing.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Dec 2, 2011
Dec 10, 2011
Currency Exchange Loss:
Feb 15, 2013
This photo was used before for a previous loan for Ludmila. It was first posted on Kiva on Feb, 2011. Learn More