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Emma lives in Sarnakunk village, Syunik region with her mother and brother. The family is involved in agriculture: they raise cows and sheep, cultivate barley and potatoes. Emma also grows grass in the farm, which she uses as forage for the cattle. Unfortunately, the hay she gathers from her land is not enough to keep and feed the cattle during winter. Thus Emma has applied for this loan to buy more hay. This is important for Emma to feed the cattle properly and maintain a stable 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
  • 136
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Emma to pay for hay.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Aug 28, 2012
Currency Exchange Loss:
Jul 17, 2015