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Karine is an experienced farmer from Urut village of Lori region. She lives with her husband. With the help of her husband, Karine is engaged in breeding a livestock of cows, sheep, pigs, and hens, and in the cultivation of grass. They realize the agricultural products in the local market. Agribusiness is the family's only source of income.

As life is getting more expensive with time, Karine needs to expand her agribusiness to be able to make ends meet. A loan of USD 3,000 will help her greatly by enabling her to purchase wheat seeds, pay for the harvesting services, buy a cow, purchase some forage for the livestock, and make previous credit repayments.

Karine and her husband will be very thankful to all the lenders for helping them collect the needed loan to sustain their agribusiness.

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

Success!! The loan was 100% repaid

A loan of $3,000 helped Karine to purchase a cow, wheat seeds, and forage for the livestock, pay for harvesting services, and make previous credit repayments.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Sep 26, 2013
Nov 1, 2013
Currency Exchange Loss:
Nov 17, 2015