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To tackle financial hardships, Vergine grows apricot, peach, apple, and pear trees on two hectares area, and also cultivates tomatoes. She has been with this business for 16 years and is able to earn income for covering her family’s basic costs.

Vergine lives with her husband and son. In order to enlarge her farming business (which is the main source of family's income) she's asking for a loan. With the help of the loan, Vergine will be able to renovate her old greenhouse and purchase seeds and fertilizer, which is very important for successful land cultivation.

The loan is important for Vergine to increase the cultivation of fruits and vegetable and gather more income, which is vital for improving her family's life.
Vergine's most important dream is to earn a high enough income to provide her son with everything.

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

  • $6,400
    Average annual income
  • 85
    View loans »
    Armenia Loans Fundraising
  • $12,655,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $3,000 helped Vergine to pay for renovation of the greenhouse and purchase seeds and fertilizer.
90% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 23, 2013
Jun 19, 2013
Currency Exchange Loss: