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Zoya lives in Nor Dvin village with her husband, daughter and mother-in-law. Zoya trades in clothing and is also engaged in farming. She has applied for a loan to increase her stock of clothes.

This loan will help Zoya to meet her clients' demand for warm winter clothing and will allow her to increase her income. With her additional income, she will renovate the house and improve her household's 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
  • 127
    View loans »
    Armenia Loans Fundraising
  • $14,873,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Zoya to buy clothes to sell.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 26, 2011
Jan 1, 2012
Currency Exchange Loss:
Jan 17, 2014