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Update on Ludmila

Ludmila sells women's clothes at the market. Thanks to a previous loan she was able to improve her goods turnover rate and earn additional profits. This year the summer came early and there is demand for summer clothes. Ludmila is requesting a loan of 10,000 griven to purchase seasonal clothes - sarafans, blouses and robes. She hopes for a sharp increase in sales and her profits.
View original language description ↓
Людмила торгует женской одеждой на рынке. Благодаря предыдущему кредиту она смогла увеличить оборот и заработать дополнительную прибыль.В этом году лето настало очень быстро и спрос на летнюю одежду резко увеличился. Людмила просит предоставить ей 10,000 гривен на закупку сезонной одежды - сарафанов, блуз и халатов. Она надеется увеличить продажи и соответственно прибыль.

Previous Loan Details

Ludmila is a widow. She has four children. Ludmila has her own business. She sells women's knitted clothing on the central market of her town. She has been working in this field for seventeen years. Ludmila knows which merchandise is in demand. She is a hardworking and responsible woman. L... More from Ludmila'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
  • 5
    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 $1,250 helped Ludmila to purchase seasonal clothing.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 21, 2013
May 27, 2013
Currency Exchange Loss:
Mar 17, 2014