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Karine works at the local hospital as an accountant. It is very difficult for her to meet the ends with her low salary, so she is also engaged in agriculture. She keeps livesock and chickens. She lives together with her husband and their son and daughter. They have been successfully managing the business for several years.

Karine would like to develop her agricultural endeavors and thereby increase her working capital. With the requested loan, she plans to purchase a cow, a calf, beehives, pigs, and forage. This will enable Karine to earn additional income and ensure a sustainable future for her family.

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
  • $14,869,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Karine to purchase a cow, a calf, beehives, pigs, and forage.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 1, 2011
Aug 2, 2011
Currency Exchange Loss:
Jul 17, 2013