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Elena is a farmer. Since 2010, she has grown different kinds of grapes. Her husband helps care for the business. With her husband, Elena decided to buy a sprayer since spraying the crops by hand over a large area is very difficult. When it comes to the future, Elena plans to start planting new varieties, and to build a greenhouse. She would also like to build a home. She needs your help to finance the purchase of a sprayer.
View original language description ↓
Елена - фермер. С 2010 года занимается выращиванием столовых сортов винограда.
Справляться по хозяйству ей помогает муж.
Развитие деятельности начиналось с выращивания молодых саженцев винограда.
Елена с мужем решила приобрести опрыскиватель т.к вручную опрыскивать большую площадь виноградника очень тяжело.
В планах на будущие: расширить посадку новых сортов винограда, поставить теплицы.
В личных планах: на будущее достроить дом для жилья.
Нуждается в вашей помощи для финансирования опрыскивателя для виноградника.

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
  • 10
    View loans »
    Ukraine Loans Fundraising
  • $6,534,900
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,525 helped Elena to purchase farming equipment.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jan 24, 2013
Feb 15, 2013
Currency Exchange Loss:
Nov 14, 2014