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Heghine is married and has two children. Besides her work at the local school, Heghine is engaged in agriculture. She has a plot of land, where she cultivates beech, potatoes and grass.

With the received credit Heghine will purchase three calves and ten lambs. Together with her husband, Heghine will work hard on the farm to raise the animals, and will eventually sell them for a higher price.

Heghine hopes that the loan will significantly increase her family's income and will enable her to ensure a better life for her children.

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
  • 121
    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 Heghine to pay for three calves and ten lambs.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Dec 6, 2012
Currency Exchange Loss:
May 17, 2015