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Update on Ludmila

Ludmila sells various everyday goods. She used her previous loan to purchase office supplies prior to school's start. Previously, she owned two sales points, but decided to sell one and invest the money into her business. She doesn't regret this decision one bit.

Ludmila is very rational and responsible. She's asking for another loan in order to purchase school supplies before the it begins. After this sales period she hopes to go on vacation with her husband to the Carpathian mountains.
View original language description ↓
Людмила продает разный товар для быта. Людмила использовала предыдущий кредит для закупки канцелярских товаров перед школьным сезоном.

Раньше Людмила имела две торговые точки, но приняла решение продать вторую и вложить деньги в бизнес. Она нисколько об этом не жалеет. Людмила рассудительная и ответственная.

Людмила опять просит предоставить ей кредит на закупку канцтоваров к школьному сезону После школьного сезона продаж она вместе с мужем надеется поехать отдохнуть в Карпаты.

Previous Loan Details

Ludmila is married with a grown son. She lives and runs her business in the central market of her home town of Pavlograd. She sells office supplies, household items and other retail items. Her kiosk is located right at the entrance to the marketplace, which makes it a favorable spot for many pote... 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
  • 5
    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 $2,725 helped Ludmila to purchase school supplies for the new school season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 20, 2012
Jul 27, 2012
Currency Exchange Loss:
Aug 17, 2013