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Nellya is farm woman. Since 1990, she has grown tomatoes, cucumbers, peppers and strawberries. Her husband and her two children (aged 40 and 38) help her with her business. Nellya has decided to buy irrigation hosing to water her peppers and strawberries. Her future plans include expanding the area of land she farms. She also wants to build a home. She needs your help to finance the purchase of the irrigation hosing.
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Неля - женщина фермер. С 1990 года занимается выращиванием помидор, огурцов, перца и клубники.
Справляться по хозяйству ей помогает муж и двое детей 40-ка и 38-ми лет.
Неля решила приобрести капельную ленту для полива перца и клубники.
В планах на будущее: расширить посевные площади перца и клубники.
В личных планах: достроить дом.
Нуждается в вашей помощи для финансирования 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
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD