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Svetik lives with her daughter in Banavan village of the Ararat region. Svetik is a nurse at a school in Ararat, and her daughter works in the school of Vanashen, a neighboring village. Svetik and her daughter also run a farm, where they cultivate tomatoes and grow peach, apricot and pear trees.

Svetik wants to start autumn sowing, but she doesn't have sufficient means to do so. She has applied for this loan to purchase tomato seeds and fertilizer for land cultivation, and to pay for watering the land. Svetik will also hire workers to assist in the cultivation process. This will allow Svetik to gather a good harvest of tomatoes to sell in order to earn enough income to re-invest in her agriculture business next year.

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
  • 124
    View loans »
    Armenia Loans Fundraising
  • $14,377,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Svetik to pay for hired workers, fertilizer, seeds, and watering the land.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Oct 1, 2012
Currency Exchange Loss:
Oct 17, 2014