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Update on Lubov

Lubov used her previous loan to build a new greenhouse which allowed her to increase her income. Despite all the difficulties inherent in Lubov's business - falling prices for tomatoes, diseases, bad weather conditions - she is an optimist and believes that hard work is the key to solving any kind of problem. This time, Lubov is seeking a loan to fix and renovate her four greenhouses. She wants to prepare them for the start of the season, before it is time to plant tomatoes.
View original language description ↓
Любовь использовала предыдущий кредит для постройки новой теплицы, что позволило ей получить дополнительную прибыль. Несмотря на трудности, присущие бизнесу Любви - падение цен на томаты, болезни, плохие погодные условия - она настроена оптимистически и считает, что усердный труд - ключ к решению любых проблем.
На этот раз Любовь просит предоставить ей кредит для ремонта и переоборудования своих четырех теплиц. Она хочет подготовить их к началу сезона и успеть до посадки помидор.

Previous Loan Details

Lubov is involved in agriculture in the Velikaya Znamenka village. She is married and raised two sons and a daughter, who are already adults and live independently. Lubov has been growing early tomatoes for 27 years. She has two large greenhouses and two plots of land. She sells vegetables ri... More from Lubov'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
  • 9
    View loans »
    Ukraine Loans Fundraising
  • $6,534,900
    Funds lent in using Kiva
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Lubov to repair and renovate greenhouses.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 19, 2012
Nov 9, 2012
Currency Exchange Loss:
Sep 17, 2013
This photo was used before for a previous loan for Lubov. It was first posted on Kiva on Nov, 2011. Learn More