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Emma lives in Nor Dvin village with her husband and two children. She keeps cattle and cultivates land. Emma would like to develop cattle breeding, for which she needs sufficient financial means. Emma plans to purchase a calf as well as to pay for renovation of the barn. Development of agriculture will allow Emma to increase her income and 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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,350,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Emma to pay for a calf and renovation of the barn.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 12, 2011
Jan 1, 2012
Currency Exchange Loss:
Jan 17, 2015