90% of microloans are taken online
Ukrainians are taking fewer microloans than before the full-scale war. Almost 6 million loans from microfinance organizations (MFIs) totaling UAH 37.11 billion were taken out by Ukrainians in 9 months of 2024. The average loan amount increased by 1.3 times compared to the same period last year to UAH 6,190. And the total debt on microloans has almost doubled since the beginning of the year.
Ukrainians have taken out 5.9 million microloans this year. The amount of loans disbursed reached UAH 37.11 billion. Although the number of loans remained almost unchanged compared to last year, the amount of loans disbursed increased 1.3 times.
The average microloan amount increased by 28% over the year: from UAH 4,830 ($126) last year to UAH 6,190 (approximately $150) this year. It is worth noting that compared to 2021, the amount of a microloan in equivalent terms has even slightly decreased: at that time, Ukrainians borrowed an average of $168.
670 thousand agreements are concluded on average every month this year, the same as last year. For comparison, in 2021, this figure reached 1.2 million per month.
Since the beginning of this year, the total amount of Ukrainians’ microloan debt has increased 1.7 times: from UAH 9.3 billion to UAH 16.02 billion.
It is worth noting that 90% of microloans this year were taken out online, and most agreements were concluded for a period of 3 months to 1 year.
https://opendatabot.ua/analytics/mfo-2024-3
Gallstone disease is one of the most common pathologies of the digestive system. According to the WHO, up to 10% of the world’s population faces this problem, and in Ukraine the incidence among adults reaches 12-15%. At the same time, women get sick two to three times more often than men due to hormonal characteristics, pregnancy, and other factors. People over 40 years old, those with a genetic predisposition, obesity, or diabetes are particularly susceptible to gallstones.
Unfortunately, gallstones are often asymptomatic, which makes early diagnosis difficult. Usually, the disease is detected by chance during ultrasound examinations, but in case of progression, serious complications are possible that require immediate intervention.
Oleksandr Fedosenko, a surgeon of the highest category, head of the surgical department atLeleka Medical Center, explains why stones appear, what treatment methods exist, and what the consequences of ignoring the problem are.
Why do stones form?
Gallstones are formed due to metabolic disorders when the balance of bile components changes. The main types of stones are:
Risk factors include:
How to recognize the problem?
In most cases, cholelithiasis is asymptomatic, and stones are detected by chance during an ultrasound examination of the abdominal cavity. However, in some situations, patients may notice:
Acute intense pain may indicate the development of complications, such as acute cholecystitis, and requires immediate medical attention.
How to treat gallstone disease?
The only effective treatment for gallstones is surgical removal of the gallbladder. The gold standard is laparoscopic cholecystectomy, a minimally invasive surgery performed through small punctures in the abdominal wall. This method ensures rapid recovery of patients who can be discharged the next day.
At the same time, ignoring the problem can lead to serious complications, such as
To reduce the risk of developing gallstones:
Cholelithiasis is not a sentence, but a reminder of the importance of a healthy lifestyle and timely medical attention. Take care of your health and remember: any disease is better prevented than cured.
Metinvest Group’s Central Mining and Processing Plant (CMP, Kryvyi Rih, Dnipro Oblast) is carrying out major repairs to its railway tracks, investing over UAH 28 million to do so.
According to the plant, repair crews plan to renovate almost 1.5 km of railroad tracks by the end of the year.
It was clarified that Central GOK has an extensive system of railways, the total length of which reaches 270 km. This year, in addition to routine maintenance and repairs, the specialists of the Track and Yard Shop of the Railway Transport Department of the Central Mining and Processing Plant are carrying out major overhauls of a number of tracks and switches.
“Railways are an important component of production logistics, as the majority of cargo is delivered to the plant by rail, and the key to efficient transportation is primarily the condition of the tracks. This fall’s work is large-scale, involving the overhaul of almost 1.5 km of tracks. In particular, this will ensure the safety and reliability of traffic on the routes for the delivery of ore from the open pits and Kolachevsky mine to the crushing plant, as well as for the transportation of other goods for production needs,” said Alexander Mukha, Head of the Railway Transport Department of the Central Mining and Processing Plant.
Central GOK is one of the five largest producers of mining raw materials in Ukraine. It specializes in the extraction and production of iron ore concentrate and pellets.
CGOK is a part of Metinvest Group, whose major shareholders are System Capital Management (SCM, Donetsk) (71.24%) and Smart Holding Group (23.76%). Metinvest Group’s management company is Metinvest Holding LLC.
Despite the war and climate challenges, Ukrainian farmers have managed to maintain the amount of land under vegetable production. However, the leadership in the production of many crops in Ukraine is gradually shifting from households to larger market players, SEEDSwrites .
This was stated by Taras Bashtannik, President of the Ukrainian Fruit and Vegetable Association, during the conference VeggiFruits. Processing of vegetables and fruits.
Regarding the shortage of vegetables in Ukraine, which arose with the beginning of the full-scale invasion in 2022, according to the expert, it was quickly replaced and there was no shortage in terms of area, it could only occur in terms of yield.
“This year, the abnormal heat could not but affect any vegetable crop, and we see this in potatoes. But we can predict that next year, about half of Ukraine will be “in potatoes”. And then vice versa. And so on in a circle,” Taras Bashtannik is convinced.
According to the expert, not only in Ukraine, but all over the world, there are always certain factors that affect the yield of a particular crop. However, no shortage will affect the work of processing companies.
“The quick reaction of importers to a certain deficit that fills the domestic market is more about the end consumer and retail. Processing companies do not like not having contracted volumes and planned prices,” says the President of the UPOA.
In addition, Taras Bashtannik drew attention to the changes that have occurred recently in Ukraine, which concern the production processes of many crops.
“Now it is becoming easier for state statistics to account for many things, because we see a redistribution of the production of many crops from households to small, medium and large enterprises that submit at least some statistics.
Previously, 95 plus, or rather 98-99% of the production of any position was produced by households,” reminded Taras Bashtannik.
Ukrainian women are known not only for their devoted and reverent attitude towards their families, but also for their strength of spirit, especially now, in these extremely difficult times for our country. Obviously, motherhood in time of war requires both courage and much more internal resources. After all, they face an incredible number of challenges and experiences. However, Ukrainian women realize more than ever that by giving new lives, they are procreating their own lineage and preserving the Ukrainian nation. It is not surprising that 2024 was another year when we saw many star babies among thousands of little Ukrainians.
It is worth noting that despite the difficult situation and military risks, they remain in Ukraine and choose to give birth here. Usually, celebrities choose private maternity hospitals to give birth to their babies. The most popular among them is the Leleka Maternity Hospital in Kyiv. This facility provides childbirth of any degree of complexity, uses modern and innovative approaches to all processes, and ensures the highest level of safety and care for each patient. By the way, this is the first and only hospital in Ukraine to receive the most prestigious international accreditation JCI, which indicates the high quality of medical services and international recognition.
We are telling you about several Ukrainian stars for whom the year 2024 was marked by a wonderful event – some had their first child, others were lucky enough to welcome a second child into the family, and some celebrities became parents of many children.
The famous Ukrainian singer of Crimean Tatar origin became a mother for the third time in May 2024 – she and her husband Bekir gave birth to another son. The happy parents named the boy Alim-Seit Bekir. Jamala’s older sons, Emir and Selim, are 6 and 4 years old. All the singer’s children were born in the medical center, theLelekamaternity hospital.
The family of Ukrainian actress and TV presenter Lilia Rebryk and choreographer Andriy Dykyi also became large this year. In March, the celebrity gave birth to their third daughter, who was named Adelina. Lilia and Andriy have two older daughters, 11-year-old Diana and 6-year-old Polina.
The famous Ukrainian blogger and twerk dancer became a mother for the first time in June. On the day she gave birth, Maria showed touching black-and-white footage of her husband and child. The girl, who, by the way, was born weighing 4 kg, was named Maya.
The wife of former Vice Prime Minister of Ukraine and businessman Serhiy Tihipko also gave birth to a daughter in June this year. The couple also has three sons together – Serhiy, Stanislav and Oleksandr. The couple named the girl Yulianna. “Yulianna. I am extremely grateful to the Leleka Medical Center for helping me become even happier,” Alla commented on the birth of her daughter on her social media.
Choosing a maternity hospital is one of the most important decisions for future parents. Whether the family is famous or not, safe and comfortable conditions are the key to a successful delivery, health and well-being of the mother and baby.
Kyivstar TV has launched a large-scale identity upgrade, transforming its logo and expanding the brand color palette.
On December 11, Kyivstar TV, a film and television platform founded by Kyivstar and 1+1 media, will celebrate its 5th anniversary. To mark the occasion, the OTT platform has updated its identity for the first time, which was developed by the creative agency I AM IDEA.
Kyivstar TV viewers were the first to notice the changes – the app icon was replaced by a new unique platform sign – the letter “K”. This sign combines two symbols: the “play” and “heart” icons – a visual metaphor that accurately reflects the idea of the service – the ability to watch the content you love. Along with the logo, the Kyivstar TV inscription was also improved.
The key prerequisite for the identity update was that the logo star, which was part of the old Kyivstar TV logo, formed an unconscious association of the audience with the parent brand. Such a visual solution was necessary for the product launch, but later the logo became more associated with Kyivstar’s telecom services than with the film and television platform. Changing the brand identity is an important step in communication that contributes to the formation of a clear product identity.
“The new logo now contains a unique sign that helps to better distinguish Kyivstar TV brand from others and emphasizes its independence. Moreover, it directly reflects what we have been working on for the past 5 years – to turn on the viewer’s love for cinema, especially Ukrainian cinema. Moreover, the new identity makes it easier to work in various collaborations with other brands, which have been numerous over the past year,” said Viktoria Maksymchuk, Kyivstar TV’s Marketing Director.
Another task of the identity update was to emphasize the content diversity of the platform with the help of color. Although the change in the design system was radical, the connection with the parent brand was preserved: 7 more colors were added to the main three colors – green, white and blue.
“From now on, the brand’s palette includes colors other than related ones. It is interesting that the color of the visual depends on the poster or frame from the content. This adds variability, adaptability and flexibility to the design system, which further emphasizes Kyivstar TV as a platform with content for every taste of the most demanding viewer,” said Yuriy Chornenkyi, Head of Marketing Communications at Kyivstar.
Head of Design Dasha Shabliyenko, designer Valeria Ignatyuk, motion designer Denis Kononenko, art directors Olena Dovgopol and Vitaliy Klymenko worked on the renewal of the identity of the film and television platform within the creative agency I AM IDEA.
For reference:
Kyivstar TV is a joint project of 1+1 media and Kyivstar, founded on December 11, 2019. It is a film and television platform that provides users with access to hundreds of thousands of hours of Ukrainian and world content, live programs, and regularly offers exclusive projects for viewing. The platform has more than 430 TV channels and a VOD library of 20,000 movies, series, cartoons and shows. Kyivstar TV is available for all mobile operators in Ukraine and all Internet providers. Find out more about the new releases on the platform in the Kino for TVtelegram channel.
