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Update on Nataliya

Nataliya has received loans from Kiva a few times in the past in order to develop and expand her business. She is systematically developing two sales outlets, working at one herself and having hired a salesperson for the second one. She earns a steady income from them, and recently has been able to buy exercise equipment so she can take care of her health. Thanks to her previous loan from Kiva, she was able to buy a collection of spring-summer sportswear (tracksuits, shorts, and t-shirts) at a good price, and successfully sold it. This time, Nataliya is seeking a loan of 8,000 Ukrainian Hryvnia to buy new goods for her second outlet to increase sales. She plans to buy warm tracksuits and jackets to sell for the winter when the ski season kicks into high gear. Nataliya is not afraid of difficulties; however, she is somewhat worried about the increase of internet shopping for clothing, as young people are not coming to shop at the market as often, which is leading to a drop-off in business.
View original language description ↓
Наталья уже несколько раз использовала средства, полученные от КИВА, для развития и расширения своего бизнеса. Наталья планомерно развивает две точки продаж, торгуя на одной из них самостоятельно и поставив реализатора на другой. Доходы у нее – стабильные. Недавно смогла приобрести для себя тренажер, чтобы внимательнее следить за здоровьем. Благодаря предыдущему кредиту от КИВА Наталья смогла выкупить коллекцию спортивного ассортимента весна-лето (костюмы, шорты, футболки) по хорошим ценам и успешно ее реализовала.
В этот раз Наталья обратилась за кредитом в 8 000 гривен для того, чтобы завезти новый товар на вторую точку, увеличив сбыт. Она планирует закупить теплые спортивные костюмы и куртки под реализацию в зимний сезон, когда начинается сезон активного лыжного отдыха. Наталья не боится трудностей, однако, немного переживает по поводу роста продаж одежды через интернет, из-за которого молодежь стала меньше бывать на рынке и, значит, наблюдается определенный спад в торговле.

Previous Loan Details

Nataliya is a market entrepreneur. Her family of four lives in the town of Pavlograd. Nataliya sells sportswear and athletic-clothing merchandise for hiking and active living. She owns two vending facilities in the central marketplace of her home town. Nataliya has been in the market for five yea... More from Nataliya'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
  • 10
    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 $1,000 helped Nataliya to purchase new goods for her second sales outlet.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 19, 2012
Nov 14, 2012
Currency Exchange Loss:
Mar 15, 2013