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Sofya is a devoted mother from Azatan village. She lives with his son, Misak, and with him, is involved in agriculture. They own a plot of land where wheat, barley, and greens are cultivated. Misak is very young; he is 19, but already very skilled in farming, of course with the help of his mother, who helps him very much.

Sofya takes care of her farm with great love and pleasure, and also feels very responsible to take care of her son's living conditions. So, in order to tackle financial difficulties, Sofya has requested this loan. With the help of it, she will pay for watering of the land, cultivation of the harvest, and to purchase fertilizer, which is very important for successful cultivation.

Sofya will be very grateful to Kiva lenders, as this loan is a great support for her farm and is a good chance to improve her life.

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

  • $6,400
    Average annual income
  • 125
    View loans »
    Armenia Loans Fundraising
  • $12,898,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $2,000 helped Sofya to pay for watering the land, cultivation of the harvest, and to purchase fertilizer.
70% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 18, 2013
Aug 11, 2013
Currency Exchange Loss: