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Ara lives with his wife and two sons in a Maysiyan village, which is in the Armavir region of Armenia.

Although he possesses a university degree, Ara has an agricultural business that is the main source of the family's income. He owns a cow and two calves as well as a plot of agricultural land where he cultivates tomatoes.

With the help of his wife, Ara milks the cows and then sells the dairy products at the local markets.

Ara does his best to provide for his family's future.

He has applied to SEF International for a loan to buy a cow.

The loan will enable him to produce more milk and other dairy products. This will enable him to earn a higher income, which is vital for sustaining his 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
  • 108
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ara to buy a cow.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 17, 2013
May 1, 2013
Currency Exchange Loss:
Dec 17, 2014