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Jasmena is a nurse from Metsamor town. She has been providing medical services to locals for 15 years. Due to her hard work, Jasmena currently has many clients who prefer only her services. She provides different types of medical services including immunization, blood pressure measurement, etc.

Now, Jasmena needs financial support in order to purchase an electrocardiography machine so as to provide cardiac checking service to her patients.

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 start-up loans with soft conditions to informal businesses that do not have access to credit products. So this loan is very important for Jasmena and she hopes for the lenders' trust and support.

Jasmena has three grown up children who are married and live with their families.

Additional Information

More information about this loan

This loan is part of SEF's startup pilot project to benefit borrowers working in Armenia's non-formal business sector. By providing working capital to artists, auto mechanics, bakers, furniture makers, construction workers and other informal entrepreneurs, SEF aims to help them formalize their businesses, increase their incomes, and build brighter futures.

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
  • $14,833,500
    Funds lent in using Kiva
  • 405.8
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jasmena to pay for an electrocardiography machine.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 27, 2013
Oct 5, 2013
Currency Exchange Loss:
Sep 17, 2015