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Yana is 24 years old. She works as an accountant at a publishing house in the city of Novaya Kahovka. Yana got married not long ago, and she and her husband moved to their own apartment. The apartment has been in need of repair for a long time, but the young family has not had the necessary funds to repair it.

Yana turned to Kiva for a loan in the amount of 8,000 hryvnia for personal purposes. She did not have enough money of her own to change three windows and windowsills in the apartment, and further to set up a balcony. After the cold came, and the apartment became significantly colder, this need became more pressing for the whole of Yana's family. Therefore she decided to stop postponing the repair and make use of Kiva's financial services, and thereby making the family's life easier and create comfort in the house.
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Яне – 24 года. Она работает бухгалтером в городской типографии Новой Каховки. Яна совсем недавно вышла замуж, с мужем переехали в собственную квартиру. Квартира давно нуждалась в ремонте, но молодой семье постоянно не хватало необходимых средств для этого.
Яна обратилась в КИВА за суммой в размере 8 000 гривен для личных целей. У нее не хватало собственных средств, чтобы заменить 3 окна и подоконники в квартире, а также установить балконный блок. После того, как наступили холода, и в квартирах стало ощутимее прохладно, эта нужда стала насущнее для всей семьи Яны. Поэтому она решила больше не откладывать и воспользоваться кредитными услугами КИВА, тем самым облегчив жизнь своей семьи и создав уют в доме.

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.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

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 $1,225 helped Yana to change three windows and windowsills in her apartment, and further set up a balcony.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Nov 20, 2012
Currency Exchange Loss:
Feb 20, 2015