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Zhanneta is an experienced agronomist from Vosketap village in Ararat region. Her family consists of her husband, daughter and son. Her husband has migrated to Russia as a labor migrant. He works there and sends money to the family to take care of their needs. To be able to earn a living, Zhanneta, with the help of her daughter and son, is engaged in aviculture and in cultivation of tomatoes, alfalfa, peaches, plums, quince and apples. They realize the agricultural products in the local market, which is the most important source of the family's income. To continue running her agribusiness in a sustainable way, Zhanneta needs a loan of USD 3,000 to purchase wheat seeds, to buy some fertilizers, to pay for the workforce and for the water bills, and to buy fuel for the agricultural machinery. Zhanneta and her family rely heavily on the good will of the lenders and will be very thankful to them for their help in collecting the amount of the loan to maintain and develop 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
  • 143
    View loans »
    Armenia Loans Fundraising
  • $14,385,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zhanneta to purchase wheat seeds and fertilizers, to pay for labor and water bills, and to buy fuel for agricultural machinery.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 11, 2013
Currency Exchange Loss:
Mar 19, 2015