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Naira lives in Goghtanik village with her husband, Grigor, and a little 1-year-old daughter, Gayane. Naira's husband works at the village hall, but his salary is not enough to make ends meet. So the couple also runs a farm, where they raise sheep and chickens and grow different fruit trees (walnut, cherry, apple, peach and pear).

Naira has applied for this loan to increase their number of sheep. The sale of sheep meat forms an important part of their income; so, by increasing their sheep, Naira will be able to make more income. It is important for this young and enthusiastic couple to cover costs and invest in the further development of their 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
  • 135
    View loans »
    Armenia Loans Fundraising
  • $14,888,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Naira to purchase sheep.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 20, 2012
Jul 25, 2012
Currency Exchange Loss:
Aug 17, 2014