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Jemma has been involved in agriculture for more than 10 years. She grows a variety of fruit trees - specifically apples, plums, apricots, and peaches - as well as cultivating tomatoes. She and her husband work hard together to bring in their harvest and they sell their produce at the local market. They live with their daughter and son in the village of Taperavan in the region of Ararat. Agriculture helps Jemma and her family to have a stable income and to cover the family's basic costs.

Jemma has an old greenhouse that needs to be renovated. She has applied for this loan in order to renovate the greenhouse. This will enable her to cultivate more fruits and vegetables and gather more income.

This loan is very important for Jemma to cover her family's needs and ensure a better future for them.

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 Jemma to pay for the essential repair and renovation of her greenhouse.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 21, 2013
Jan 26, 2013
Currency Exchange Loss:
Feb 20, 2015