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Update on Galina

Galina has used KIVA loans a few times already. Last time she took out a loan Galina faced a decrease in customer demand, but thanks to the loan she was able to purchase clothes in a large batch and she received a big discount on the whole sale price, thus saving money. This time Galina has turned for a loan of 5,000 griven to purchase clothing for resale, specifically t-shirts and blouses. She hopes that by providing a wide range of clothes she will get a higher gross income and in turn, higher profits.
View original language description ↓
Галина уже несколько раз пользовалась кредитами КИВА. С момента выдачи предыдущего кредита Галина сталкивалась с нехваткой покупательского спроса, но благодаря тому, что предыдущая партия товара у нее была большая, Галина смогла получить скидку на оптовые цены и хорошо сэкономить на закупке товара.
В этот раз Галина обратилась за суммой в размере 5 000 гривен для того, чтобы закупить товар под реализацию, а именно приобрести женские трикотажные футболки и блузки. Она надеется, что за счет большего ассортимента товара у нее будет больше валового дохода, а, значит, и больше прибыль.

Previous Loan Details

Galina is married with a grown son. She lives in Zaporozhye, where she sells women’s clothing such as robes, nightgowns, tank tops, and shorts in one of the local markets called a “Krytyi” (which means "covered"). Galina owns a vending kiosk which helps her minimize rental costs. She has been in ... More from Galina'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
  • 10
    View loans »
    Ukraine Loans Fundraising
  • $6,534,900
    Funds lent in using Kiva
  • 8.2
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Galina to purchase t-shirts and shirts.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jul 2, 2013
Jul 13, 2013
Currency Exchange Loss:
Nov 18, 2013