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Nadezhda has been a farmer since 2006, raising melons like cantaloupe and watermelon. Her husband helps her with her work. Her business began growing by planting melons in an open field. Nadezhda has decided to purchase plastic to enclose her greenhouses as well as drip hosing for irrigation. In the future, she plans on expand the area of land she farms to plant new types of cantaloupe and watermelon. Her personal plans include saving for her children's education. She needs your help financing the purchase of plastic sheeting and drip hosing.
View original language description ↓
Надежда - женщина фермер. С 2006 года занимается выращиванием бахчевых культур таких как дыня и арбуз.
Справляться по хозяйству ей помогает муж.
Развитие деятельности начиналось с выращивания бахчевых культур в открытом грунте.
Надежда решила приобрести пленку для перекрытия теплицы и капельную ленту для полива.
В планах на будущее: расширить посевные площади бахчевых культур, посадить новые сорта дыни и арбуза.
В личных планах: обеспечить образование детей.
Нуждается в вашей помощи для финансирования пленки и капельной ленты.

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
  • 2
    View loans »
    Ukraine Loans Fundraising
  • $6,441,575
    Funds lent in using Kiva
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD