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Heriqnaz lives with her son in Vosketap village in the Ararat region. She earns her living by selling agricultural products in the local markets. Heriqnaz owns an orchard where different types of trees are grown (peach, apricot, plum, nut, apple, and pear). Heriqnaz has been involved in agriculture for 10 years. She became the only breadwinner in her family after her husband died and since then has worked twice as hard to provide appropriate living conditions for her son.

Heriqnaz decided to apply for this loan to purchase tomato seeds and fertilizer, which a revery important for successful cultivation of the land. The loan is very important for Heriqnaz to enlarge her farming business and increase income. She hopes that Kiva lenders will give her an opportunity to enrich both her farm and her family's 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
  • 134
    View loans »
    Armenia Loans Fundraising
  • $14,328,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,200 helped Heriqnaz to pay for tomato seeds and fertilizer.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 6, 2013
Jul 1, 2013
Currency Exchange Loss:
Jul 17, 2015