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Karine is from Vayk town. She is 51 years old and lives with her two sons.

Karine has been involved in beekeeping for many years. She keeps 55 colonies of bees and gets high quality honey. As honey is a must-have item for each household in the Vayots Dzor region, there are always plenty of buyers of quality honey.

Karine also keeps livestock, which currently includes 15 chickens and 3 cows. Karine's sons help her to sell honey and milk products in the market and get income. Agriculture helps this family to sustain their living and cover their basic costs.

As Karine hasn't sufficient funds to purchase an ox, she has applied for this loan. With the help of the loan, she will purchase an ox, which will help her to increase her agricultural income.

Karine hopes that with the help of the loan, she will be able to secure the future of the 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
  • 152
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Karine to purchase an ox.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 19, 2013
Jan 29, 2013
Currency Exchange Loss:
Feb 20, 2015