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Elena originally worked at a collective farm, but due to a low salary, decided to open her own private business and get involved in retail sales of vegetables, such as eggplants, corn and melon crops - watermelons. Elena's family is her disabled husband and 24 year-old son, Vyacheslav, who helps with the farming work. She has problems with watering because it is very hard to water 40 sotkas of land at the same time. This is why the family decided to purchase equipment for irrigation, which will increase the harvest-ability and ease human labor. Elena's plans include expansion of her business, planting strawberries and potatoes and purchasing motorized equipment for plowing the soil. Elena's personal plans include providing medical care for her disabled husband. She needs your financial support to purchase irrigation equipment.
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Изначально Елена работала в колхозе,но из-за низкой оплаты труда,приняла решение открыть собственное частное предприятие и заниматься розничной торговлей овощами такими как баклажан, кукуруза и бахчевой культурой-арбуз.

Семья Елены это муж-инвалид и 24-х летний сын Вячеслав, который и помогает ей справляться с плантацией. Есть проблемы с поливом,т.к. очень тяжело полить 40 соток земли одновременно. Поэтому семья приняла решение купить оборудование для полива, которое повысит урожайность и облегчит труд людей.

В планах у Елены расширить свое хозяйство посадить клубнику и картофель, приобрести мотоблок для вспашки земли. В личных планах Елены лечение мужа инвалида.

Нуждается в вашем финансировании оборудования для полива.

Additional Information

About Agro Capital Management

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

ACM uses a financing model that is relatively unique. Typically, a microfinance institution will lend money to farmers, who then purchase products they need to have a successful harvest and pay back the loan. In ACM's model, the organization purchases the agricultural goods before reselling them to small farmers on an affordable payment plan. This allows farmers to begin using the goods they buy without having to pay in full upfront.

As part of ACM's offering, clients receive training to improve crop yields. In order to cover its costs, the organization charges a small service fee. The amount of each Kiva loan includes both the cost of agricultural supplies and the service fee. As with all Kiva loans, repayments will be returned to lenders on the schedule outlined.

About Ukraine

  • $8,200
    Average annual income
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,552,350
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Elena to purchase an irrigation system.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 25, 2012
May 22, 2012
Currency Exchange Loss:
Sep 3, 2014