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.
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.