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Tsovinar lives with her son. She is a teacher at the local school. To cover the family's daily costs, Tsovinar has been engaged in farming for more than eleven years. Now Tsovinar needs financial means to develop her farm. Tsovinar plans to purchase flower seeds and grow flowers in her greenhouse. Tsovinar hopes she will grow flowers successfully and get more income from the sales. This will allow her to make savings for further expansion of her farm.

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
  • $14,833,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Tsovinar to pay for flower seeds.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 8, 2011
Jan 1, 2012
Currency Exchange Loss:
Jan 17, 2014