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Hrazdan lives with his wife and works for a local company as a driver. He is also a farmer who raises peaches, apricots, nuts and other crops. and has a herd of animals that includes a cow, a calf and 12 chickens. He gathers his harvest and sells it locally. Hrazdan has applied to SEF International for a loan to buy a cow, fertilizer, and fuel to transport his harvest to the market. He needs this loan to expand his agricultural business and earn more money, which he will use to support 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
  • 113
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Hrazdan to buy a cow, fertilizer and fuel.
75% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 16, 2013
May 1, 2013
Currency Exchange Loss: