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Update on Ludmila

Ludmila grows vegetables in greenhouses. Thanks to a Kiva loan, she gathered a good harvest last season and was able to improve her home. Unfortunately, Ludmila's youngest daughter had a stomach surgery. A lot of money was spent on medications, but the daughter has improved significantly. The oldest son found work and now helps with money. Ludmila is requesting this loan to purchase quality seeds and also to replace plastic for a greenhouse. This will allow Ludmila to prepare for the season in a timely manner and make a good profit.
View original language description ↓
Людмила выращивает овощи в теплицах. В прошлом сезоне благодаря КИВА кредиту она получила хороший урожай и смогла благоустроить свое жилье. Однако, младшей дочери Людмилы сделали операцию на желудке. На лекарства ушло много денег, но дочери уже намного лучше. Старший сын нашел работу и теперь помогает с деньгами.

Людмила просит предоставить ей кредит на закупку качественных семян, а также замены пленки в теплице. Это позволит Людмиле вовремя приготовиться к сезону и получить хорошую прибыль.

Previous Loan Details

Ludmila is a farmer from the Vodyanoye village. She is involved in agriculture by growing early vegetables in greenhouses. She is married and, together with her husband, is raising a son and a daughter. Ludmila has three large greenhouses and two more for seedlings. She has 70,000 hryvnia inv... More from Ludmila'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
  • 5
    View loans »
    Ukraine Loans Fundraising
  • $6,552,350
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Ludmila to purchase quality seeds and also to replace plastic for a greenhouse.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Jan 21, 2013
Currency Exchange Loss:
Sep 17, 2013
This photo was used before for a previous loan for Ludmila. It was first posted on Kiva on Jan, 2012. Learn More