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Zoya lives in the Shamb community with her husband (in the photo). They have been involved in agriculture for many years. Zoya keeps chickens on her farm and cultivates different types of fruits and vegetables (potatoes, corn, haricot (beans), apricots, peaches, apples, pears, and nuts). Their income comes from selling the gathered harvest in local markets, and that's why agriculture is very important to them.

Zoya has requested this loan to purchase seeds and fuel for transporting the gathered harvest to the market. This will give them an opportunity to cultivate more vegetables and gather more harvest. Despite the fact that both Zoya and her husband are retired, they are very hardworking and attractive farmers and run their farm with great love and pleasure. They hope to receive your support and continue the expansion of their farm.

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
  • 127
    View loans »
    Armenia Loans Fundraising
  • $14,350,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,100 helped Zoya to pay for seeds and fuel.
69% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 12, 2013
Jul 2, 2013
Currency Exchange Loss: