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Hermine is from Artashat town of Ararat region. She is 35 years old and lives with her husband (in the photo) and three children. The family earns their living through an agricultural business. More specifically, the family owns a plot of land where different kinds of fruits and vegetables are grown. Hermine and her husband do all of the relevant agricultural work to ensure a good harvest. The harvested products are then sold at the local open market.

Hermine has requested this loan to purchase eight calves, and grass for feeding them. This will enable her to get milk and use it in cheese production. This investment will increase her family's income and improve their living 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
  • 109
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Hermine to pay for eight calves to be raised for dairy production, and grass for feeding them.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 20, 2012
Dec 6, 2012
Currency Exchange Loss:
Nov 17, 2014