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Elmira A. has been trading in clothes since 2000. The business place is her house, which is a comfortable trading-spot for the neighborhood which gives orders to her for every season.

With winter season demand increasing, Elmira has applied to Kiva partner SEF for a loan to cover the purchasing costs for a new clothing inventory.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $14,833,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Elmira to order a new clothing inventory.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Dec 23, 2010
Jan 1, 2011
Currency Exchange Loss:
Feb 15, 2013