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Garik is 32 years old. He lives in Horbategh village with his wife and son. Garik works at the local tax service as a tax officer. Unfortunately, Garik's salary is not enough to cover the family's expenses. So Garik also runs a farm, where he keeps beehives and breeds cattle. Currently his farm consists of two cows, two pigs and 10 beehives.

Garik has applied for this loan to expand his farm. He wants to purchase 10 sheep and two more cows. This is vital for Garik to increase the income from agriculture and insure a prosperous life for his 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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $14,888,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Garik to pay for cows and sheep.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 27, 2012
Apr 5, 2012
Currency Exchange Loss:
May 5, 2012