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Hrach is young farmer from Hovuni village. He is involved in cattle breeding and land cultivation.

Specifically he keeps 7 cows, 25 sheep, a pig, 30 chickens and 50 colonies of bees. Hrach also cultivates potato and wheat and sells the gathered harvest in the local markets. Knowing that the profit from this activity is very important for his family, he does his best to maximize his profits and ensure for them a better life.

Hrach has applied for this loan to purchase seeds for cultivation. The loan is very important for him to be able to gather a good harvest and increase his income.

Hrach lives with his wife, son and daughter and does his best to ensure better living conditions 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

  • $6,400
    Average annual income
  • 92
    View loans »
    Armenia Loans Fundraising
  • $12,398,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $3,000 helped Hrach to buy seeds for cultivation.
87% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 21, 2013
Mar 22, 2013
Currency Exchange Loss: