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Zina lives with her husband, Muraz, in Kapan town. She works at the local school and helps her husband with agriculture. They keep cows and calves and sell milk and meat products. The couple has applied for this loan in order to purchase two cows and a calf. This will help them to cover their basic needs and to gather more income. Zina and her husband plan to improve their held with special milk cows in the future, and this loan will help them to implement this goal.

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
  • 142
    View loans »
    Armenia Loans Fundraising
  • $14,390,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zina to purchase two cows and a calf.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Nov 10, 2012
Currency Exchange Loss:
Nov 17, 2014