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Goharik is from Qarakert village of Armavir region. Together with her husband, she is involved in cattle breeding. They keep two cows, two mother pigs, 26 little pigs and 30 chickens. The gathered milk and meat is sold locally, and this is the only source of income for their family.

As there is a high unemployment rate in the region, it is very difficult for Goharik and her husband find a job and sustain the family with additional income. So agriculture is the only source that helps them to have stable income during the month, and they would like to enlarge their farming business. This is the reason why Goharik has applied for this loan. With the loan's help she will purchase a pig, fertilizer and seeds for land cultivation. This will help them to get involved in land cultivation and gather harvest. Goharik hopes that her hard work one day will make her dreams come true, and she will be able to have a big farm and comfortable 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
  • 112
    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 $2,000 helped Goharik to pay for a pig, fertilizer and seeds for land cultivation.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 8, 2013
Jun 1, 2013
Currency Exchange Loss:
Jul 17, 2014