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Update on Galina

Galina lives and works in Melitopol. She sells women's shoes and clothing at regional markets. This has been her profession for 17 years. Periodically, she faces different challenges, namely downturns in sales volume and poor exchange rates against the dollar. This doesn't stop her, however, and she continues to strive to further develop her business. Galina needs a lone of 8,000 UAH in order to buy seasonal footwear and clothing for the coming spring.
View original language description ↓
Галина живет и работает в Мелитополе. Она занимается торговлей женской обувью и одеждой на выездных рынках области. Галина работает в этой сфере торговли уже 17 лет. Периодически она сталкивается с разными трудностями, а именно спадами торговли, изменениями курса доллара, но, тем не менее, это не останавливает ее и она продолжает стремиться и дальше развивать свой бизнес.
Галине понадобился кредит в размере 8 000 гривен для того, чтобы закупить сезонную обувь и одежду для реализации этой весной.

Previous Loan Details

Galina is married and has one adult son. She sells women's shoes and clothing at traveling markets. She has 17 years of work experience. Galina is responsible and shows initiative. She plans to develop her business further in order to make an additional profit and improve her family's welfare... More from Galina'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
  • 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 $1,000 helped Galina to buy seasonal shoes and clothing for spring.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Mar 2, 2013
Currency Exchange Loss:
May 17, 2013