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Oksana has been a farmer since 2001, growing melons like cantaloupe and watermelon. Her husband and two children (aged 11 and 7) help her with her work. The growth of her business began by planting cucumbers in an open field. Oksana has decided to buy plastic to enclose greenhouses. In the future, she plans on expanding the area of land she farms and to build a new greenhouse. Her personal plans include saving for her children's education. She needs your help financing the purchase of plastic sheeting for her greenhouses.
View original language description ↓
Оксана - женщина фермер. С 2001 года занимается выращиванием бахчевых культур таких как дыня и арбуз.
Справляться по хозяйству ей помогает муж и двое детей 11-ти и 7-ми лет.
Развитие деятельности начиналось с выращивания молодых огурцов в открытом грунте.
Оксана решила приобрести пленку для перекрытия теплицы.
В планах на будущее: расширить посевные площади бахчевых культур, поставить новую теплицу.
В личных планах: обеспечить образование детей.
Нуждается в вашей помощи для финансирования пленки для теплицы.

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
  • 8.1
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $4,950 helped Oksana to purchase farming equipment.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 25, 2013
Mar 9, 2013
Currency Exchange Loss:
Sep 3, 2014