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Garnik is from Shahumyan village where he lives with his big family of 8: his parents, his grandmother, wife and three children (in the photo). The whole family is involved in agriculture, which is the main source of their income. Currently, Garnik keeps livestock of cows, pigs, piglets and turkeys. The family is big so it is very difficult for Garnik to cover its daily costs. By applying for this loan, Garnik wants to purchase a cow and forage for feeding the livestock. He asks for this loan to enlarge his agricultural business and improve his family's life. Garnik hopes for lenders' 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
  • 130
    View loans »
    Armenia Loans Fundraising
  • $14,328,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Garnik to pay for a cow and forage for feeding the livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 8, 2013
Sep 11, 2013
Currency Exchange Loss:
Dec 17, 2014