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Hovhannes is an experienced agronomist from Ptghunq, a village in the region of Armavir. He lives with his wife, his school-age daughter and son (10 and 14 years old, respectively), and his mother. Hovhannes is the main breadwinner of the family. He is engaged in cattle breeding, in aviculture, and in breeding pigs and piglets. He sells his agricultural products in the local market, which is the main source of the family's income. His wife and mother help him in daily activities related to farming. As life is getting more expensive with time, and his family's needs are also growing, Hovhannes wants to expand his agribusiness in order to more effectively meet his family's needs. He needs a loan of 3000 U.S. dollars (USD) to purchase four oxen and some forage (alfalfa and combined forage) for cattle. Hovhannes and his family rely heavily on the good will of lenders and will be thankful 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
  • 111
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    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 Hovhannes to purchase four oxen and some forage (alfalfa and combined forage) for cattle.
81% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 13, 2013
Dec 2, 2013
Currency Exchange Loss: