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Kristine is 37 years old. She lives in Zedea with her husband and two daughters. Kristina works at a local milk factory. Kristine's husband is a military officer. However, the main source of income for the family is agriculture. Kristine and her husband breed livestock and keep beehives and hens. Kristine wants to expand her farm, but she has a lack of necessary funds. This loan will help her to purchase a calf and five beehives. It is important for Kristine to receive and sell more agricultural products and get more income, which will help her cover the family's costs and ensure financial stability for them.

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
  • 100
    View loans »
    Armenia Loans Fundraising
  • $13,984,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Kristine to pay for a calf and five beehives.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 16, 2012
Jun 1, 2012
Currency Exchange Loss:
Jun 17, 2013