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Rafik is an experienced farmer from Norakert village of Armavir region. He lives with his wife and two school age sons eight and seven years old. To take care of his family, Rafik is engaged in the breeding of livestock; a cow, pigs, and hens, and in the cultivation of wheat, alfalfa, and several fruits (peaches, apricots, quinces and pears). He takes the agricultural products to the local market, which is the main source of the family's income. Rafik's wife assists him greatly in his everyday activities related to farming. As life is getting more expensive day by day, Rafik needs to expand his agribusiness to be able to effectively cover the needs of his family. A loan of USD 2,000 will help him greatly, enabling him to purchase a cow, calf, and barley seeds. Rafik and his family highly rely on the good will of the lenders and will appreciate their support in collecting the needed loan amount to sustain their lives.

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
  • 128
    View loans »
    Armenia Loans Fundraising
  • $14,869,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Rafik to purchase a cow, calf, and barley seeds.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 30, 2013
Nov 27, 2013
Currency Exchange Loss:
Sep 17, 2015