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Marsel is a young farmer from Dalarik village in the Armavir region. He lives with his parents. To take care of his family, Marsel is extensively engaged in cattle breeding, aviculture, and the cultivation of wheat, alfalfa, peaches and apricots. With the help of his family members, he realizes the agricultural products in the local market, which is the main source of the family's income. Marsel works really hard to be able to meet the ends (make ends meet). He is the main breadwinner of the family. To continue running his agribusiness in a sustainable way, Marsel needs to make some investments. A loan of USD 3,000 will be a great support to this young, hard-working man and his family, enabling him to purchase wheat seeds, fertilizers, and three steers, and to pay for harvesting services. Marsel and his parents rely on the good will of the lenders and will greatly appreciate their support in collecting the needed amount of the 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
  • 146
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Marsel to purchase wheat seeds, fertilizers, and steers and to pay for harvesting services.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 14, 2013
Dec 2, 2013
Currency Exchange Loss:
Sep 17, 2015