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Eduard J. is married with three children and lives with his parents. One of his children is serving in the army and another helps Eduard in running his business.

Eduard has been trading in glassware and crockery since 1995. During the last 15 years of hard work, Eduard has been able to provide his family’s main income, invest in both his business and his children’s education, and meet general family costs. Eduard needs to stock up for the holiday season, and has therefore applied to Kiva partner, SEF, for a loan.

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Eduard to purchase holiday season stock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 11, 2010
Dec 1, 2010
Currency Exchange Loss:
Dec 15, 2011