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Nikolay has been engaged in agriculture for five years. He keeps cows and cultivates land. Currently Nikolay cultivates greens, cabbage, tomato and different types of fruit trees (apricot, peach, cherry, nut, apple and pear). The gathered harvest is sold locally and thus Nikolay gathers the income, which is vital for sustaining his family. He lives with his parents, wife and two children (ages 11 and 6).

Now, this hardworking farmer with good credit history behind him asks a loan. He needs this loan to purchase three oxen and forage for feeding the livestock. This loan is very important for Nikolay in order for him to be able to increase the income from agriculture and ensure a better life for his 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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $14,869,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Nikolay to pay for three oxen and forage for feeding the livestock.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 8, 2013
Sep 11, 2013
Currency Exchange Loss:
Oct 11, 2013