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Update on Nataliya

Nataliya has already used loans to develop her business in the past and considers them to be advantageous. This time, she is requesting a loan in the amount of 12,000 hryvnia to buy a new spring collection of perfumes and eau de toilette. According to Nataliya's words, this merchandise is always in demand, but only when there is new selection additions. And spring is an especially suitable season for developing this type of business. Nataliya used her previous loan to refill her perfume inventory. Thanks to that, her income increased. Nataliya was able to improve her living conditions by buying household appliances.
View original language description ↓
Наталья уже пользовалась кредитами для развития бизнеса раньше и считает их очень выгодными. На это раз Наталья просит предоставиь ей кредит в сумме 12,000 гривен, чтобы закупить новую весеннюю коллекцию духов и туалетной воды. По словам Натальи, этот товар всегда пользуется спросом при условии, что есть новые пополнеия. А весна - особенно подходящий сезон для развития данного вида бизнеса.

Наталья использовала предыдущий кредит для пополнения ассортимента парфюмерии. Благодаря этому увеличился доход. Наталья смогла улучшить свои жилищные условия - приобрести бытовую технику.

Previous Loan Details

Nataliya is married. She and her husband live in a small town called Vinogradovo in western Ukraine. Nataliya sells cosmetics. Her shop is located in the heart of the city, with virtually no competition. Nataliya has been in business around 6 years. At this time, she has 45,000 hryvnia in invento... More from Nataliya'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
  • 3
    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 $1,500 helped Nataliya to purchase new perfumes to sell in her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 7, 2012
Mar 9, 2012
Currency Exchange Loss:
Jul 15, 2012