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Armenuhi is from Metsamor town, where she lives with her husband, mother-in-law and two children. She works as a nurse in a local clinic and provides medical services from her house. As the village is not rich with clinics and hospitals, people need a medical specialist who is able to provide needed services right from her house.

Due to her kindness and hard work, Armenuhi is in great demand among both local villagers and people from nearby villages. Now this hardworking woman needs financial assistance to be able to renovate her electrocardiography machine and provide cardiac checks to her clients.

She has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF international. The start-up loan program provides business startup loans with soft conditions to informal businesses that do not have access to credit products, so this loan is very important for Armenuhi and she 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

  • $6,400
    Average annual income
  • 111
    View loans »
    Armenia Loans Fundraising
  • $12,677,975
    Funds lent in using Kiva
  • 405.8
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,000 helped Armenuhi to pay for renovation of electrocardiography machine.
70% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 27, 2013
Oct 5, 2013
Currency Exchange Loss: