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Update on Ludmila

Ludmila used her previous loan to expand the range of goods she sells. With the extra income generated by that loan, Ludmila was able to buy a heating system for her apartment. This time Ludmila is seeking a loan to buy women's seasonal clothing. She hopes to make more profit and improve the living standard of her family.
View original language description ↓
Людмила использовала предыдущий кредит для расширения ассортимента. За счет дополнительной прибыли было закуплено оборудование для отопления квартиры. В этот раз Людмила просит предоставить ей кредит для приобретения женской сезонной одежды. Она надеется получить прибыль и улучшить быт своей семьи.

Previous Loan Details

Ludmila is a widow. She has two grown children. Ludmila is from Melitopol. She works at the local market selling women's clothing: sweaters, shirts, dresses. Lyudmila is very hardworking. She has been in business for fifteen years. At the moment, her working capital is 20,000 hryvnia. Ludmila... 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
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Ludmila to buy women's seasonal clothing.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 18, 2012
Oct 24, 2012
Currency Exchange Loss:
Jun 17, 2013
This photo was used before for a previous loan for Ludmila. It was first posted on Kiva on Jan, 2012. Learn More