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Update on Ludmila

Ludmila has developed a business with several outlets at the market. She skillfully manages the business, so things are going well. Last time, Ludmila took out a loan in order to expand the business by filling a new kiosk with merchandise. Currently, she has requested a loan in the amount of 21,000 hryvnia for the purchase of stationery for the school season. Her husband helps her with the business, and she has a school-age daughter. This summer, the whole family was able to go on vacation at sea in Crimea.
View original language description ↓
Людмила имеет развитый бизнес с несколькими торговыми точками на рынке. Она умело управляет бизнесом, поэтому дела идут хорошо. Прошлый раз Людмила брала кредит на расширение бизнеса - заполнение нового киоска товаром. Сейчас просит предоставить ей кредит в сумме 21,000 гривен на закупку канцтоваров к школьному сезону.
В бизнесе помогает муж, есть дочь школьница. Этим летом всей семьей смогли поехать на отдых на море в Крым.

Previous Loan Details

Ludmila lives and works in Pavlograd. She sells stationery at the local market where she has 3 retail outlets. She has been doing this for over 5 years. She works hard and takes only one day off per week. Ludmila just bought her third kiosk in October. She now needs to stock it with stationery, c... 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 $2,600 helped Ludmila to buy school supplies.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Aug 18, 2013
Currency Exchange Loss:
Nov 19, 2013