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Update on Vera

Thanks to her preceding loan, Vera expanded her range of swimwear, increased trade and earned extra income. Now, she and her husband started building their home. They are building slowly, by themselves.

This time, Vera is asking for a loan to purchase seasonal goods. She plans to attract more customers and to get even more money in order to speed up the home construction.
View original language description ↓
Благодаря предыдущему кредиту Вера расширила ассортимент купальников, увеличила торговый оборот и получила дополнительную прибыль. Теперь вместе с мужем они начали строительство своего дома. Строят медленно, но сами.

В этот раз Вера просит предоставить ей кредит для закупки сезонного товара. Она планирует привлечь больше клиентов и получить еще больше прибыли, чтобы ускорить строительство дома.

Previous Loan Details

Vera is married, has two children, and runs her own business. She has been selling women's undergarments and swimsuits for 6 years. She is hardworking, responsible, and honest. Her business goal is to open her own store. Vera is asking for a loan of 10,000 hryvnia so that she can expand her selec... More from Vera'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
  • 6
    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 $2,700 helped Vera to purchase seasonal goods.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 9, 2012
Nov 20, 2012
Currency Exchange Loss:
Jul 17, 2014
This photo was used before for a previous loan for Vera. It was first posted on Kiva on Jun, 2012. Learn More