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Karine lives in Vedi village in the Ararat region with her 2 children. She works at a local kindergarten and also is involved in agriculture. She runs a farm where she cultivates tomatoes, eggplant, and cucumbers, and grows peach, pear and apple trees. She also keeps livestock, which currently includes 20 chickens. Karine has applied for this loan to purchase wheat seeds and fertilizer, and also to cover some transportation and cultivation costs. With the loan’s help Karine will develop her farm and have a stable source of income for her family.

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
  • 135
    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 Karine to purchase wheat seeds and fertilizer, and to cover transportation and cultivation costs.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Nov 21, 2012
Currency Exchange Loss:
Dec 17, 2014