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Alvard B. lives in Yerevan with her husband and two children. Alvard is a teacher, but her salary is very low. Alvard is also engaged in clothing sales. The main income comes from sales and is not enough to meet her school-aged children’s needs.

Alvard wants to increase her income and develop her business. With the requested loan she plans to purchase more clothes for resale. With the loan’s help Alvard will get more income and will be able to insure better living conditions for her children.

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
  • 134
    View loans »
    Armenia Loans Fundraising
  • $14,328,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Alvard to pay for new clothes for resale.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 6, 2011
May 1, 2011
Currency Exchange Loss:
Sep 17, 2014