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Stella is involved in a small family agricultural business in the village of Tegh in the Syunik region. She lives with her husband and mother. They keep livestock, currently three cows and two oxen. Stella milks the cows and produces cheese, which she sells at the local market for a stable monthly income.

As agriculture is the only source of income for this family, Stella would like to expand the venture. She has requested this loan in order to purchase three cows. This will enable her to obtain more milk and make more cheese to offer for sale.

The loan is very important for Stella and her family because it will improve their living conditions and ensure them a better future.

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
  • 124
    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 Stella to buy three cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Jan 11, 2013
Currency Exchange Loss:
Nov 17, 2014