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Zhenik is engaged in agriculture. She keeps two cows and five calves, gets milk and uses it in cheese production. She works hard to gather high income and sustain her family.

Zhenik is 63 years old, but despite her age she is very proactive and a hardworking woman who does her best to cover her family's daily costs. But unfortunately her agricultural income is hardly enough for covering her basic costs and it is very difficult for her to save money for the expansion of the farm. She has applied for this loan to purchase two cows and forage for feeding them. This will help her to get more milk and cheese, and will significantly increase her income.

Zhenik lives with her husband, son and daughter who help her with agriculture.

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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,083,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zhenik to pay for two cows and forage for feeding them.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 11, 2013
Feb 28, 2013
Currency Exchange Loss:
Oct 17, 2014