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Gayane is 23-year-old from Ejmiatsin. She lives with her parents and grandmother and jointly with them is involved in agriculture. The family cultivates land, gets agricultural harvest, and sells it locally.

Gayane's mother is a teacher with 20 years of experience teaching at a local school. Unfortunately, as a teacher's salary is too low for sustaining the family of four, agriculture is the only source that helps them to have a stable income.

Realizing the importance of agriculture in their life, Gayane has requested this loan to purchase three oxen and fertilizer for land cultivation. The family wants to get involved in cattle breeding also, so three oxen are a good start. Fertilizer is very important for successful cultivation of the land, so it will help them to cultivate different types of fruits and vegetables and will increase their income.

Gayane dreams of seeing her family have appropriate living conditions and financial stability.

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
  • 117
    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 Gayane to pay for three oxen and fertilizer for land cultivation.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 1, 2013
Jun 27, 2013
Currency Exchange Loss:
Jul 17, 2014