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Roza
Roza S., who lives in the village of Arpy in the Shirak region of Armenia, is married and has three children – a 36-year-old daughter and two sons, aged 35 and 30. Roza, with a high school education and 27 years of experience as a farmer, is requesting a loan to purchase seed and a cow. With this investment in her business, she expects the family income to increase by 20 percent.



Proud of being a farmer and working the land, Roza will be providing security for her children and their family’s future by growing her business.

Additional Information

About AREGAK Universal Credit Organization

In 1997, United Methodist Committee on Relief (UMCOR) established the AREGAK microfinance program with the aim of creating economic opportunities for low-income people who lack or have limited access to formal financial services, especially in remote rural areas. The microfinance program rapidly became one of the largest microfinance institutions in Armenia in terms of the number of active clients and portfolio size.

In 2006, AREGAK UCO was registered as a universal credit organization structured as a closed joint stock company with UMCOR as the sole shareholder.

Today, AREGAK UCO provides a broad range of financial services to the population without compromising the social aspects of its mission. It continues pursuing initiatives geared toward the fulfillment of its ethical principles. To learn more about AREGAK UCO, visit its Kiva Field Partner page.

About Armenia

  • $6,300
    Average annual income
  • 150
    View loans »
    Armenia Loans Fundraising
  • $13,802,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD