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Ludmila is a widow. She has two grown children. Ludmila is from Melitopol. She works at the local market selling women's clothing: sweaters, shirts, dresses. Lyudmila is very hardworking. She has been in business for fifteen years. At the moment, her working capital is 20,000 hryvnia.

Ludmila needs a Kiva loan of 10,000 hryvnia to buy women's clothes for the season. She would like to increase the variety she carries and thereby earn extra income. With the profit she makes, Ludmila would like to install a heating system in her apartment. Moreover, Ludmila enjoys working with these products, so she plans to continue to invest funds she receives from sales to further develop her business.
View original language description ↓
Людмила – вдова. У нее есть двое взрослых детей. Людмила – из Мелитополя. Она работает на местном Районном рынке, торгует женской одеждой: кофтами, футболками, платьями. Людмила очень трудолюбивая. Она занимается предпринимательством уже 15 лет. На данный момент у нее 20 000 гривен оборотного капитала.

Людмиле необходим кредит КИВА в размере 10 000 гривен для того, чтобы закупить женскую одежду к сезону. Она хотела бы увеличить ассортимент и, реализовав его, получить дополнительную прибыль. За счет получения дополнительной прибыли Людмила хотела бы провести автономное отопление в своей квартире. Более того, Людмиле нравится работать с этой группой товаров, поэтому она планирует и дальше вкладывать полученные от реализации средства в дальнейшее развитие своего дела.
Пометка: история на русском языке

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
  • $6,441,575
    Funds lent in using Kiva
  • 8.0
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Ludmila to buy seasonal women's clothing.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 9, 2011
Jan 1, 2012
Currency Exchange Loss:
Nov 15, 2012