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Goharik works at the local kindergarten. Unfortunately, her salary is too low to make ends meet, so she is also engaged in agriculture. Goharik grows fruits and vegetables and keeps them in the freezer to sell for the coming winter season. Goharik would like to sell more fruit. For this reason she plans to purchase fruit. Goharik has to keep the fruit in a rented freezer. Increase of sales will allow her to construct her own freezer in the future. Goharik will soon have her first child, so this will help her to get additional income and ensure a sustainable future for her child. Goharik lives together with her husband, mother-in-law and father-in-law.

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
  • 120
    View loans »
    Armenia Loans Fundraising
  • $14,377,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Goharik to pay for fruit.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 4, 2011
Nov 4, 2011
Currency Exchange Loss:
Oct 17, 2013