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Angela lives in Meghri, Syuniq Region, with her husband and daughter. She is a very hard-working woman and is currently self-employed, taking care of her family by cattle breeding and gardening. She owns a plot of land and cultivates apricots, peaches, cherries, figs and blood oranges.

To meet her family's basic needs Angela now wants to expand her livestock of cows. For this reason she asks for the lenders support in collecting a loan of USD 3,000 to buy three more cows. As this is Angela's first loan, it has been approved within the framework of the new joint initiative of Kiva and SEF. The first-chance loan program provides loans to people who haven't had access to credit products before, because they have no credit history. Angela will purchase new cows with the loan and it will help her to take care of her family.

Additional Information

More information about this loan

This loan is designed for clients who are considered to be riskier borrowers. SEF is committed to expanding financial access to these individuals, disbursing loans to clients who have no previous credit history, damaged credit, or who have been unable to get loans from other lending institutions.

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Anjela to pay for three cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Sep 10, 2013
Currency Exchange Loss:
Sep 17, 2015