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••• KHAINA, RITA SAVVOVNA -
 manufacture of furniture and accessories (Mykolaiv)
Ms. Khaina started her own business in 1988. She initially manufactured clothes and foam rubber, but in 1999 she switched to furniture production. She received her first loan from Bank Forum in 2002, using the USD 3,500 to build production premises. The l...
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••• LUKYANOV, SERGEY YURIEVICH -
 production of souvenirs, sale of groceries (Sevastopol)
Mr. Lukyanov and his wife have been producing wooden souvenirs and fancy goods (pictures, decorations, frames, trinkets etc.) since 1999. The couple set up this business using their own savings to purchase the necessary supplies and equipment. In 2...
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••• MAKARENKO, LYUDMILA NIKOLAYEVNA -
 children’s clothing retail (Odessa)
Ms Makarenko has been selling children’s clothing since 2001. Her first contact with Forum Bank was in May 2005, when she took out an express loan for UAH 5,000. This was very soon followed by a second loan, which she used to purchase more goods. In May 2007 the bank granted her a UAH 150,000 line of credit, and Ms Makarenko initially drew down UAH 90,000...
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••• MOKAN, ILYA IVANOVICH -
 agricultural business (Belozerskiy District, Kherson Region)
Mr. Mokan is a former school teacher with a degree in agriculture. He worked on a state-owned farm from 1998 until 2000, when he and his associate decided to start their own business by renting 10 hectares of land to grow tomatoes. In te they diversified the crops, rented another 254 hectares of land and hired three tractor driv...
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