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Nataliya is a farmer. She has been growing strawberries, sunflowers and watermelons since 1982. Her husband and two children, who are 29 and 27 years old, help her with the business. The youngest daughter works as a teacher at a medical institute. The development of the agricultural business started with planting watermelons on mutual lands. Nataliya needs plastic to cover an old greenhouse, where she grows strawberries. Her future plans are to install a greenhouse for growing grapes. Her personal plans are to purchase a car for transporting product to a market. Nataliya needs your help to finance the plastic for the greenhouse.
View original language description ↓
Наталья - фермер. С 1982 года она выращивает клубнику, подсолнух, арбуз.
По хозяйству ей помогает муж и двое детей, 29-ти и 27-ти лет. Младшая дочка работает преподавателем в мединституте.
Развитие сельскохозяйственной деятельности начиналось с высадки арбузов, на паевых землях.
Для перекрытия старой теплицы, в которой Наталья выращивает клубнику, необходима пленка.
В планах на будущее: установить теплицу для выращивания винограда.
В личных планах Наталья планирует приобрести автомобиль для транспортировки товара на рынок.
Нуждается в вашей помощи для финансирования пленки для теплицы.

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
  • 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 $1,175 helped Nataliya to purchase plastic for a greenhouse.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 3, 2012
Oct 17, 2012
Currency Exchange Loss:
Oct 7, 2015