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Smbat is from Nor Amasia village in the Armavir region. He works at a local school as a teacher, but unfortunately, it is not possible to survive on a teacher's salary alone and for that reason, Smbat is also involved in agriculture. He keeps pigs and cultivates onions and sunflowers.

Smbat's family consists of his wife and son who are helping Smbat with the agriculture. Realizing that the farming business is important for the family to gather a stable income during the month, Smbat would like to expand it. He has applied for this loan from SEF International to purchase seeds and fertilizer, which is very important for the successful cultivation of the land. The loan is important for Smbat to have a chance of expanding his agricultural business and gathering a high income.

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
  • 135
    View loans »
    Armenia Loans Fundraising
  • $14,314,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,500 helped Smbat to pay for seeds and fertilizer.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 18, 2013
Jun 1, 2013
Currency Exchange Loss:
Jul 1, 2013