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Zarine is 32 years old. She lives in Sisian with her husband, son and mother-in-law.

Zarine cultivates potato and corn on her land. She also keeps a greenhouse. Zarine needs to repair the greenhouse, as current conditions are not favorable for a good harvest.

Besides this, she wants to purchase seeds to cultivate the land and fuel for agricultural practices. With the help of this loan, Zarine plans to increase her income by 40%, which is important for her to ensure the improved living conditions of her family.

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
  • 121
    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 $1,550 helped Zarine to pay for seeds, fuel and greenhouse renovation.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 4, 2012
Mar 2, 2012
Currency Exchange Loss:
Jul 26, 2012