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Update on Valentina

Valentina is working at the central market in Melitopol and makes her living selling women's clothes. She started her retail business 17 years ago. Valentina has enormous amount of experience in retail, many regular clients and a special method of client communication. She has turned to KIVA for a loan of 4000 griven to purchase a batch of women's clothes, in particular cardigans, tee shirts, dresses, blouses, lingerie and tights for the subsequent resale at her market stall.
View original language description ↓
Валентина работает на крупном рынке Мелитополя, зарабатывая на жизнь торговлей женской одеждой. Этим бизнесом она начала заниматься еще 17 лет назад. Опыт у нее – колоссальный, много наработанных клиентов и своя методика работы с ними.
Валентина обратилась в КИВА с целью получить кредит в размере 4 000 гривен, чтобы закупить партию женской одежды, а именно кофты, футболки, платья, блузы, белье и колготы под последующую реализацию на своей точке.

Previous Loan Details

Valentina is a widow. She has her own small business and sells women's clothing and stockings at a kiosk at one of the city's markets. Valentina became involved in this business 15 years ago. She gained experience and expanded her business during this time. Currently, she has two retail outle... More from Valentina'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 $500 helped Valentina to purchase a batch of women's clothing.
100% repaid
Repayment Term
3 months (Additional Information)
Repayment Schedule
At end of term
Oct 15, 2012
Oct 27, 2012
Currency Exchange Loss:
Dec 15, 2012