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Raya has been trading women’s clothing and underwear from a rented shop in one of the city’s markets. In the past, Raya used to travel to the neighboring countries to purchase inventory. Now, Raya puts her orders through other traders so she can spend more time managing the shop. Currently Raya would like to expand the variety of the stock in order to meet clients' demands and stay competitive in the market. Therefore, she has applied for this loan to purchase new women's clothing. This will significantly increase the sales and her income.

Raya lives with her husband and daughter and works hard to provide for them appropriate living conditions.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $14,833,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Raya to buy new women's clothing to sell to customers.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Mar 22, 2013
Apr 2, 2013
Currency Exchange Loss:
May 17, 2015