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Ruben is a farmer who lives in Nalbandyan village. He cultivates tomato and eggplant, and grows cherry, plum, and apple trees. He also keeps 3 hectars of a grape orchard. Ruben lives with his wife and son.

Ruben would like to improve his grape orchard in order to gather more harvest. This loan will help him to purchase stakes and wires for the grape orchard. A good harvest of grapes will help Ruben to increase his income from sales in the local markets and in wine factories.

Developement of farming is vital for the family to cover its costs, and to live in more prosperous conditions.

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
  • 129
    View loans »
    Armenia Loans Fundraising
  • $14,836,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Ruben to pay for stakes and wires to improve his grape orchard.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 5, 2012
Nov 6, 2012
Currency Exchange Loss:
Mar 18, 2014