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Update on Oksana

For Oksana January and February is usually the worst months in terms of profits. This winter was especially bad in sales because of the freezing temperatures. This is why Oksana is asking to give her a loan to buy artificial flowers. She will use them to make wreaths and baskets of flowers for sale.

Thanks to the previous loan Oksana remodeled her apartment and helped her daughter to enroll in the University (paid for her tuition).

Oksana's husband works in Moscow as a construction worker and sends her the money. Oksana has a simple way of life: she works a lot, giving all of herself to her business and then relaxes at home in the evenings.
View original language description ↓
У Оксаны январь и февраль - обычно самые худшие месяцы в плане выручки. Эта зима была особенно плохой по торговле, из-за сильных морозов. Поэтому Оксана просит предоставить ей кредит, чтобы закупить
искусственные цветы. Из них Оксана будет делать венки и корзины цветов на продажу.

Благодаря предыдущему кредиту Оксана отремонтировала свою квартиру, помогла дочери поступить учиться в Университет (оплатила учебу).

Муж Оксаны работает в Москве, на стройках, присылает деньги. У самой Оксаны уклад жизни простой: много работает, вкладывается полностью в торговле, а дома просто отдых вечером.

Previous Loan Details

Oksana is married with one child. She sells various decoration items at the central market in Ordzhonikidze city. Her profit is 3,500 UAH per month. Oksana has been in this business for 14 years. It is a small city and people know each other quite well. Being an honest and just nice person, Ok... More from Oksana'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
  • 5
    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 $2,625 helped Oksana to buy artificial flowers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 23, 2012
Mar 15, 2012
Currency Exchange Loss:
Sep 15, 2012