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Karmen is farmer from Baghramyan village, where she lives with her husband and son. Karmen's husband receives a pension and helps Karmen with running a farm. They cultivate haricot and peppers, and sell the gathered harvest in the local markets.

Karmen is very skilled in the agricultural sphere, but because of financial hardships she isn’t able to cultivate different types of vegetables. She has applied for this loan to purchase land and be able to enlarge this farm. Karmen will also purchase fertilizer, which is very important for successful cultivation of the land.

She hopes that Kiva lenders will support her to improve her farm and gather more income for her family.

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
  • 140
    View loans »
    Armenia Loans Fundraising
  • $14,433,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Karmen to pay for land and fertilizer.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jul 30, 2013
Aug 29, 2013
Currency Exchange Loss:
Aug 17, 2015