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Azniv is a farmer from Ditavan village in the Tavush region. She lives with her husband and three school-age children (a daughter and two sons). She and her husband are engaged in breeding cows, sheep, pigs, piglets, and hens, and in cultivating wheat, potatoes, grass and several fruits (plum, pomegranate, fig, blood orange, grapes, apple, pear and walnut). The family realizes the agricultural products in the local market, which is the only source of income for them. As their needs are growing day by day, Azniv wants to enlarge the number of livestock to be able to meet the expenses of her family more effectively. A loan of 1,500 USD will help her greatly, enabling her to purchase eight calves. As this is Azniv’s first loan, it has been approved within the framework of the new joint initiative of Kiva and SEF. The first-chance loan program provides loans to people who didn’t have access to credit products before, because they have no credit history. The family is very thankful to the lenders for the good will and support.

Additional Information

More information about this loan

This loan is designed for clients who are considered to be riskier borrowers. SEF is committed to expanding financial access to these individuals, disbursing loans to clients who have no previous credit history, damaged credit, or who have been unable to get loans from other lending institutions.

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
  • 160
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Azniv to purchase eight calves.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 26, 2013
Currency Exchange Loss: