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Margarit works at a local bakery and has many years of experience in this field. Margarit lives in Vedi village with her family which consists of her husband and three grown-up children. In order to cover family costs Margarit is also involved in agriculture. She owns a small plot of land where she cultivates tomatoes, peaches, apricots, and apples. Margarit's husband doesn't work and helps her with running the farm. He sells the gathered harvest in the local market and gets income which is very important for them.

Margarit has applied for this loan to pay for wheat and fertilizer, which is very important for successful cultivation of their land. This loan is important for the whole family to earn more income and make their life better.

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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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,072,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Margarit to pay for wheat and fertilizer.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 21, 2013
Jul 2, 2013
Currency Exchange Loss:
Nov 17, 2014