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Artur is from Dashtavan village of Ararat region. He lives with his mother, father and sister.

Artur has been providing dental technician services to locals for three years. Due to his tireless and hard work, Artur has a lot of clients from the region. Now, in order to be able to purchase tools that he needs for his work, Artur has applied for this loan. He has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF International. The start-up loan program provides business start-up loans with soft conditions to informal businesses that do not have access to credit products.

Because of family's poor conditions Artur isn't able to save money to invest in the dental service, so the loan is very important for him.

Additional Information

More information about this loan

This loan is part of SEF's startup pilot project to benefit borrowers working in Armenia's non-formal business sector. By providing working capital to artists, auto mechanics, bakers, furniture makers, construction workers and other informal entrepreneurs, SEF aims to help them formalize their businesses, increase their incomes, and build brighter futures.

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
  • $14,350,650
    Funds lent in using Kiva
  • 405.3
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,500 helped Artur to pay for tools needed to provide dental services.
90% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 23, 2013
Currency Exchange Loss: