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Like many women, Ludmila is excited when she can quickly pick up a small gift such as an accessory or photo album for a friend when she needs it. Today she can not only do just that, but she also provides this valuable service for others. For the last nine years, Ludmila has been investing her time and finances in developing her small business in the busy central market in Melitopol. Years of experience have equipped her to be a very successful entrepreneur. The business has grown to the point now where she has been able to hire an employee to help her with sales. In addition to her daily work, Ludmila also cares for her elderly mother who lives with her and does not receive enough from her small pension to support herself.

Ludmila is known as a goal-oriented business owner, who is optimistic about the future. Recently she purchased a second kiosk and would like increase her inventory in order to boost her earnings. She is asking for a loan of $1200 to purchase additional inventory, which will allow her to continually meet the needs of her customers while providing for her own financial responsibilities.

Людмила, як і кожна жінка, радіє можливості придбати невеличкий подарунок, як, наприклад, аксесуар або рамку для фотографій для когось з друзів. Але вона може ще й запропонувати такі товари у своєму кіоску. На протязі останніх 9 років Людмила вкладала час та кошти в розвиток свого бізнесу на центральному ринку м. Мелітополь. За ці роки вона стала успішним підприємцем. Зараз бізнес виріс настільки, що Людмила може навіть взяти на роботу одного реалізатора. Окрім ведення бізнесу Людмила ще піклується про мати похилого віку, яка живе з нею та отримує зовсім крихітну пенсію.

Людмила – дуже цілеспрямована людина, вона оптимістично дивиться у майбутнє. Нещодавно вона придбала другий кіоск, зараз хоче закупити товар для того, щоб підвищити власні прибутки. Людмила просить про позику в 1200 доларів для того, щоб розширити асортимент товарів, задовольнити попит з боку покупців та сприяти подальшому розвитку власного бізнесу.

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.

About Ukraine

  • $8,200
    Average annual income
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,552,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ludmila increase working capital.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
May 5, 2007
Apr 17, 2007
Currency Exchange Loss:
Oct 23, 2007