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Garik is from Jojkan village, in the Lori region. He has been engaged in agriculture for 20 years. Specifically, Garik keeps chickens and cultivates wheat and barley. Garik also owns an orchard where different types of trees are grown (plum, cherry, grape, nut, etc.)
His father is a migrant worker who tries hard to sustain his family financially. Now, because of hard times, Garik needs support. He is asking for this loan to be able to purchase wheat and barley seeds and pay for cultivation work. As his father isn't with him, it is very difficult for Garik to gather the harvest alone and this is the reason he needs help.
The loan of $2,500 will greatly assist Garik and he will be very thankful to lenders for the 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
  • 128
    View loans »
    Armenia Loans Fundraising
  • $14,350,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,500 helped Garik to pay for wheat and barley seeds and pay for cultivation work.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 14, 2013
Dec 20, 2013
Currency Exchange Loss:
Feb 18, 2014