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Zmrukt is thirty-two. She lives in Shake village with her husband, son, daughter and father-in-law. For already twelve years the family has been involved in agriculture: they cultivate potatoes and beans, and raise cattle. During this period Zmrukht and her family developed the farm and created all necessary conditions for its stable growth.

Now Zmrukht needs investments to renew her agricultural techniques by purchasing new tractor wheels. She also wants to purchase special equipment to collect the grass, which is the main source of forage for the cattle. Zmrukht will also purchase fuel.

This loan will help Zmrukht to organize the work more effectively and with less cost, which will allow her to save and invest in further development of the farm.

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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,377,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,200 helped Zmrukht to pay for tractor wheels, equipment to collect the grass and fuel.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 16, 2012
Jun 1, 2012
Currency Exchange Loss:
Jul 1, 2012