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.
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.