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Gayane lives in Sisian with her husband and their two children. She works in Torunik village, where she is engaged in the agriculture business.

Gayane would like to cultivate land, but she does not have sufficient financial means to do so. As a result, she is requesting a loan to buy seeds. In turn, she hopes to cultivate the land, which would help to increase her income. In the future, she hopes that additional revenue generated as a result of the loan proceeds will allow her to purchase a house in Sisian and to improve her family’s living conditions.

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
  • 152
    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 $1,000 helped Gayane to purchase seeds.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 3, 2011
Jun 1, 2011
Currency Exchange Loss:
Dec 20, 2013