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Update on Lyuba

Lyuba is engaged in selling women's clothing at the market of her hometown, and has wide experience in this business. Lyuba has also previously taken a loan from Kiva. The previous loan helped her purchase sets of women's clothing and improved the income with 1,000 hryvnia. This improved the welfare of her family.

Lyuba requests a loan in the amount of 10,000 hryvnia for the purchase of clothing for the beginning of the school year. She would like to purchase sweaters, jeans and skirts.
View original language description ↓
Люба занимается продажей женской одежды на рынке родного города и имеет большой опыт в этом деле.

Люба уже брала ранее кредиты в КИВА. Последний кредит помог ей купить комплекты женской одежды и увеличить доход на 1000 гривен. Это улучшило благосостояние ее семьи.

Любовь просит предоставить ей кредит в сумме 10000 гривен на закупку одежды к началу учебного года. Она хотела бы закупить кофты, джинсы и юбки.

Previous Loan Details

Lyuba is a widow. She is from the town of Korolyovo, where she is involved in sales of women's clothing. Lyuba has her own women's clothing store and has no significant competition. She has been involved in sales for 11 years. She has 85000 hryvnia invested in her merchandise and a monthly in... More from Lyuba'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 $1,250 helped Lyuba to purchase sweaters, jeans and skirts for the fall season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 16, 2012
Sep 15, 2012
Currency Exchange Loss:
Sep 17, 2013
This photo was used before for a previous loan for Lyuba. It was first posted on Kiva on Sep, 2011. Learn More