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Heghine is a 50-year-old entrepreneur from Yerevan. She lives with her husband, who works in television, and son and daughter, who are both students. Heghine sells clothing from a rented booth in the city market. Current income from her business allows Heghine to cover her children's educational costs, but it is not enough to save to invest in the business. Heghine has applied for a loan to increase the clothing stock. This will allow her to earn more income and develop her business further.

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
  • 128
    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 Heghine to pay for clothing.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 12, 2011
Jan 1, 2012
Currency Exchange Loss:
Nov 18, 2013