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Kristina lives in Meghri town, Syunik region, with her 8-year-old son, Lyova. Kristina is the only breadwinner in the family, and it's hard for her to cover household costs with the salary she gets in a local factory. So Kristina also keeps cattle and gets additional income from the sales of agricultural products. Kristina keeps only one cow at present, and she wants to purchase a few more cows and a heifer to increase the number of cattle. This will allow Kristina to earn more income, which is vital for her to improve living conditions and ensure a better future for her son.

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

Success!! The loan was 100% repaid

A loan of $3,000 helped Kristina to pay for cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 10, 2012
Oct 3, 2012
Currency Exchange Loss:
Oct 17, 2014