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Karine is from Arjut vllage in the Lori region. She lives with her son, daughter-in-law, and 6-year-old granddaughter. Karine’s son is a construction worker and is the main breadwinner of the family. To help her son in earning a living, Karine is extensively engaged in agribusiness; she is involved in cattle breeding, aviculture, and the cultivation of wheat and grass. The family sells the agricultural products in the local market. The latter is an important source of income for them. To be able to cover the increasing expenses of her family, Karine wants to expand her agribusiness a little bit. She needs a loan of 3000 USD to purchase two cows and to make previous credit repayments. The loan will help Karine and her family to sustain their agribusiness and develop it further. She and her family rely on the good will of the lenders and will be grateful to them for their 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
  • 134
    View loans »
    Armenia Loans Fundraising
  • $14,328,850
    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 Karine to purchase two cows and make previous credit repayments.
86% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 30, 2013
Nov 13, 2013
Currency Exchange Loss: