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Update on Ludmila

Ludmila is from New Kahovka. She sells women's clothing and knitwear, and has worked in retail sales for 22 years. Ludmila rents retail space at the local market, and does not yet have a space of her own. She has a pool of regular customers and all of her goods are sold at fair prices. Ludmila plans to spend 33,500 UAH to purchase summer and fall clothing, including blouses, cardigans, skirts, sweaters, jackets, and coats.
View original language description ↓
Людмила — из Новой Каховки. Она торгует на местном рынке женской одеждой и трикотажем. В торговле проработала уже 22 года. Место торговое Людмила арендует у администрации рынка, своего пока нет. Товар у нее ходовой, есть своя база постоянных клиентов, на весь товар — доступные цены.
Денежные средства в размере 33 500 гривен Людмила намерена потратить на пополнение летнего ассортимента одежды, а также на закупку товара уже и на осень: купить блузки, кофты, юбки, а также свитера, куртки и пальто.

Previous Loan Details

Ludmila used her previous loan to purchase a batch of clothing and was able to make additional profits from their sale. This time Ludmila is requesting a loan for purchasing winter jackets for a whole sale price with an additional discount she was able to arrange with the sellers. Ludmila is plan... 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
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,552,350
    Funds lent in using Kiva
  • 11.8
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,850 helped Ludmila to purchase summer clothing for sale.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 28, 2014
Jul 1, 2014
Currency Exchange Loss:
Dec 17, 2014