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Victor started his farming business 20 years ago with a garden plot of 15 sotkas of land. He planted an apple and pear orchard on this small plot. His two children help him with the business. The oldest son is 24 years old and works as a truck driver. The youngest daughter is 22 years old and attends a university. Victor decided to purchase a dryer for processing of gathered fruits. His goal is to grow an ecologically clean product. His future plans are to organize the process for drying fruit and processing vegetables for pickling and canning. According to Victor's words, he is involved in growing agricultural crops first of all for his own satisfaction. He calls to work and maintain a healthy lifestyle.
View original language description ↓

Свою фермерскую деятельность Виктор начинал 20 лет назад с дачного участка, площадью в 15 сот земли. На этом небольшом участке был высажен яблочный и сливовый сад.
По хозяйству ему помогают двое детей. Старшему сыну 24 года, работает водителем дальнобойщиком. Младшей дочке 22года, учится в университете.
Для переработки собранных фруктов в саду, Виктор решил приобрести сушку.
Цель – производить экологически чистый продукт.
В планах на будущее – организация производства по сушке фруктов и переработке на соленья и консервацию овощей.
По словам Виктора - он занимается выращиванием сельхозпродукции в первую очередь для своего удовольствия. Призывает трудиться и вести здоровый образ жизни.

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
  • 6
    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 $850 helped Victor to purchase a fruit dryer.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Aug 24, 2012
Currency Exchange Loss:
Nov 14, 2014