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Upon returning from two years of service in the army, Artur, at the age of 20, found a means to make a living by breeding cattle. Now he has 11 years of experience in that field, and his livestock currently includes 30 cows, 150 sheep and 50 chickens. Artur sells the gathered meat and milk locally and sells it in the local markets. That agricultural income is very important for Artur to sustain his family of six -- Artur himself, his parents, wife and two children. Due to his hard work, he has gained many loyal customers who prefer to only buy meat and milk from him.

Now, in order to meet his clients' demands, Artur wants to increase his livestock. He has requested a loan from SEF International to purchase eight calves. This will enable Artur to gather more agricultural products and sell it at a good price. He hopes that his hard work will bring him the farm of his dream and will ease his problems.

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
  • 168
    View loans »
    Armenia Loans Fundraising
  • $14,954,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Artur to pay for eight calves.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 23, 2013
May 20, 2013
Currency Exchange Loss:
Jun 17, 2015