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Gayane is a teacher with 15 years of experience teaching at a local school. She lives in Hartashen village of Syuniq region which is famous for its cold and severe climate. Locals here are mostly involved in cattle breeding and some in limited land cultivation.

Together with her work at school, Gayane, in order to tackle financial difficulties, is involved in agriculture. She breeds cattle (sheep, cows, calves) and cultivates some wheat and haricot (beans). Gayane is very hardworking and breeds cattle with great love and care. Together with her husband, Gayane does her best to sustain her 3 school age children's living.

Now, this woman is asking for a loan from Kiva lenders for enlarging her farm. She plans to purchase 2 cows and increase the production of milk and meat. Gayane hopes for your support!

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
  • $14,056,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Gayane to pay for two cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 26, 2013
Jul 29, 2013
Currency Exchange Loss:
Aug 17, 2014