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Hovik lives in the Shirak region with his wife and school-age daughter. His wife is an experienced teacher at a local school, and for more than 15 years he has run a printing business and a small bookstore. He prints leaflets, booklets, journals, scientific articles etc. and sells different books, including school textbooks and dictionaries. His small business currently needs some investments to function effectively, and he is requesting a loan for $3,000 to update and expand the assortment of goods he sells in his bookstore as well as buy paper for printing. Hovik and his family are very thankful to all their lenders for their good will and 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

  • $6,300
    Average annual income
  • 115
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $3,000 helped Hovik to update and expand the assortment of goods he sells in his bookstore and buy printing paper.
90% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 6, 2013
Oct 11, 2013
Currency Exchange Loss: