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Naira M. is married with one child and expecting a second child soon. Naira has been successfully managing a bakery since 2009. She makes local Armenian bread that is so popular it is being sold out straight from the bakery. Naira’s husband helps his wife in the business a lot. Their bread started to be in demand from shops that require delivery. With the help of this loan, Naira is planning to buy a car to deliver the bread to the shops and thus increase her family business.

Additional Information

About SEF International

SEF’s mission is to extend business development and financial services to emerging entrepreneurs in search of productive opportunities to support their families and communities and to build bright futures for children in Armenia.

About Armenia

  • $6,300
    Average annual income
  • 127
    View loans »
    Armenia Loans Fundraising
  • $14,836,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Naira to buy a car for bread delivery.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jul 29, 2010
Aug 3, 2010
Currency Exchange Loss:
Jun 16, 2011