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Ruzanna is 46-year-old mother of three children. She lives in Aygestan village of the Ararat region with her family. Her husband and elder son work out of the country and provide financial assistance to the family. Ruzanna is involved in agriculture. She breeds cattle, and has a plot of land where peach, pear, apple and apricot trees are grown. As her husband's work is seasonal, agriculture helps Ruzanna to have stable income all year.

She has requested a loan for purchasing 15 lambs and expanding her agricultural business. Additional money will be used in renovation of the barn, which is too old and uncomfortable for breeding cattle. This will enable Ruzanna to ensure better living conditions 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
  • 101
    View loans »
    Armenia Loans Fundraising
  • $14,006,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Ruzanna to pay for 15 lambs and renovation of her barn.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 29, 2012
Dec 13, 2012
Currency Exchange Loss:
Sep 17, 2014