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Gayane is a farmer from the village of Krashen in the Shirak region. She lives with her husband and son. To cover their needs Gayane and her family are engaged in cattle breeding, sheep breeding, aviculture, and in the cultivation of potatoes. Farming is the only source of income for the family. Gayane's husband and son sell the agricultural products in the local market. As the autumn is progressing, Gayane needs to make some investments in her agribusiness.

A loan of 3,000 USD will be a huge support to this hard-working woman and her family, enabling her to purchase forage for the livestock and to buy alfalfa seeds. With the help of the loan, Gayane will prepare her agribusiness for winter. She and her family highly rely on the good will of the lenders and will be thankful to them for their support in collecting 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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,072,150
    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 Gayane to purchase forage for the livestock and to buy alfalfa seeds.
82% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 17, 2013
Nov 4, 2013
Currency Exchange Loss: