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Nataliya is a farmer. Since 1987 she has been growing strawberries, currants, grapes, and tomatoes, as well as raising cereal crops.
Her husband and her two adopted children, aged 10 and 11 years, help her with the farm. She began the business growing onions and running an orchard where they have apricot, cherry, peach, pear, and apple trees.

Nataliya and her husband decided to buy equipment for a well and a pump since there are many problems with water for irrigation in their area, especially during the summer dry period, when they have to water the grape vines by hand.

Among her future plans are to expand her plantings with new varieties of grapes and raspberries, as well as to build a greenhouse for growing strawberries. Among her personal plans, she wants to buy homes for her adopted children and to provide them with an education.

She needs your help to finance the purchase of the well and pump equipment.
View original language description ↓
Наталья - фермер. С 1987 года занимается выращиванием клубники, смородины, винограда, помидор и зерновых культур.
Справляться по хозяйству ей помогает муж, и двое приемных детей 10-ти и 11 лет.
Развитие деятельности начиналось с выращивания лука и сада, в котором выращивают деревья абрикоса, черешни, персика, груши и яблок.
Наталья с мужем решила приобрести оборудование для скважины и насос, т.к. в данной местности существуют большие проблемы с водой для полива, особенно в летний период засухи, полив виноградника приходится осуществлять вручную.
В планах на будущие: расширить посадку новых сортов винограда и малины, а также в планах поставить теплицу для выращивания клубники.
В личных планах: на будущее приобрести жилье для приемных детей, обеспечить их образованием .
Нуждается в вашей помощи для финансирования оборудования для скважины.

Additional Information

About Agro Capital Management

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

ACM uses a financing model that is relatively unique. Typically, a microfinance institution will lend money to farmers, who then purchase products they need to have a successful harvest and pay back the loan. In ACM's model, the organization purchases the agricultural goods before reselling them to small farmers on an affordable payment plan. This allows farmers to begin using the goods they buy without having to pay in full upfront.

As part of ACM's offering, clients receive training to improve crop yields. In order to cover its costs, the organization charges a small service fee. The amount of each Kiva loan includes both the cost of agricultural supplies and the service fee. As with all Kiva loans, repayments will be returned to lenders on the schedule outlined.

About Ukraine

  • $8,200
    Average annual income
  • 12
    View loans »
    Ukraine Loans Fundraising
  • $6,534,900
    Funds lent in using Kiva
  • 8.0
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,675 helped Nataliya to purchase farming equipment.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 20, 2012
Dec 27, 2012
Currency Exchange Loss:
Dec 17, 2014