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Narine is a single mom of three children living in Hovtun village. She has been running a farm for many years. Currently, her farm includes 3 cows, 3 goats, pigs and chickens. Narine also cultivates wheat and sells the harvest locally. Narine milks cows and uses it to make cheese and other agricultural products. Over time, she has become famous in her area for providing high-quality milk and milk products, so she is able to cover her children's daily costs.

As agricultural business is the only source of income for Narine, she would like to expand her farm. With this loan, Narine would like to purchase fertilizer and fuel and cover other costs of cultivation. The cultivation of different types of fruits and vegetables will increase her income and Narine will be able to improve her life.

Narine's only dream is to provide her children with a beautiful life, a good education, food and clothing.

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
  • 132
    View loans »
    Armenia Loans Fundraising
  • $14,328,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Narine to pay for ferilizer and fuel and cover cultivation costs.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
May 23, 2013
Jun 19, 2013
Currency Exchange Loss:
Jun 17, 2015