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Manvel is from the village Byurakn of the Shirak region. He lives with his mother, wife, son and daughter. Manvel's family members, except for his daughter, work in the village school. However their salaries alone are not enough to meet the family's everyday living costs.

The most important source of family's income is the livestock of cows, sheep and hens, as well as the cultivation of wheat, barley and potatoes. The barn of the livestock is currently in poor conditions and needs to be renovated. Manvel and his family need to make some investments in the renovation of the barn in order to breed the livestock more effectively. They need a loan of USD 3000 to renovate the barn and to buy some forage for the livestock. The family will be grateful, and the lenders support will be highly appreciated in helping the family to run their agribusiness in a more efficient way.

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
  • 133
    View loans »
    Armenia Loans Fundraising
  • $14,314,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Manvel to pay for the renovation of the barn.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 14, 2013
Sep 20, 2013
Currency Exchange Loss:
Oct 20, 2013