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Update on Zaira

Zaira has been selling women’s and children’s clothing for 17 years. She owns her own sales stand at her town’s Central market. Zaira always selects quality merchandise. She is thoughtful and hard-working.

Thanks to the revenues earned after her prior loan, Zaira has been able to expand her business by buying an additional sales stand.
This time Zaira is applying for a loan in the amount 7,000 UAH to stock up on merchandise for the summer season. This loan will allow her to increase her revenues. Zaira would like to invest her additional profits into future growth of her business.
View original language description ↓
Заира занимается продажей женской и детской одежды на протяжении 17 лет. Торговая точка собственная, находится на центральном рынке города. Заира всегда выбирает качественный товар. Она отзывчивая и трудолюбивая.

Благодаря прибыли, полученной с вложения в бизнес предыдущего кредита Заира смогла расширить свой бизнес – приобрести еще одну торговую точку.

В этот раз Заира просит предоставить ей кредит в сумме 7000 гривен на закупку летнего товара. Кредит поможет увеличить доход. Дополнительную прибыль Заира хочет продолжать влаживать прибыль в развитие бизнеса.

Previous Loan Details

Irina is married and has an adult daughter. Irina works at the Central market and sells women's and children's clothing - dresses, tunics, and blouses. She owns her retail location and has 17 years of experience in this trade. Last year, Irina encountered some difficulties - a sharp decline in... More from Zaira'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
  • 6
    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 $875 helped Zaira to purchase seasonal merchandise.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 17, 2013
May 22, 2013
Currency Exchange Loss:
Nov 17, 2013