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Heghine is from Hatsavan village of Syunik region where she lives with her husband, son, and mother-in-law.
Jointly with her family, Heghine runs a farm which includes 3 cows, 4 calves, and 4 lambs. They own agricultural land where they cultivate wheat, barley, and potatoes. Heghine also owns a small orchard where nut, apple, and pear trees are grown with great love and pleasure.
The whole family works hard to gather a good harvest and Heghine's husband and son sell it locally.
Since the farming business helps the family to have income vital for covering daily costs and basic needs, Heghine would like to expand it.
She has requested a loan from SEF International to purchase barley seeds and fertilizer for cultivation. This will enable her to grow more barley and sell it in the local market.
Heghine and her family work hard to be able to have better 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
  • 151
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Heghine to pay for barley seeds and fertilizer for cultivation of fruits and vegetables.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 15, 2013
May 4, 2013
Currency Exchange Loss:
Jul 17, 2015