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Karine is from Meghri town where she lives with her husband and her twin son and daughter.

Together with her husband, Karine started to raise cattle several years ago. Now they keep on their farm four cows. Karine milks the cows and gets dairy products, which are sold locally.

Karine's husband works at a local company and his salary is hardly enough for covering the family's basic needs. Realizing that agriculture helps them to have a stable income and having a good credit history behind her, Karine has requested this loan.

With the loan's help, she plans to purchase three more cows and increase her dairy production.

Karine is sure that this loan will help her to increase the profit of her family and ensure a better life for them.

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
  • 100
    View loans »
    Armenia Loans Fundraising
  • $13,984,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Karine to pay for three cows.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 21, 2013
Jul 6, 2013
Currency Exchange Loss:
Aug 5, 2013