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Arevhat is an experienced agronomist from Darbas village of Syuniq region. She lives with her elderly pensioner parents.

To take care of her family, Arevhat has been engaged in agribusiness for more than 20 years. She is involved in cattle breeding, in breeding livestock of sheep, in beekeeping, and in the cultivation of wheat, potatoes, cabbage, apples, pears, and walnuts. She sells the agricultural products in the local market, which is the main source of her family's income.

To continue running her agribusiness in a sustainable way, Arevhat needs to make some investments. A loan of USD 3,000 will help this hard working woman and her family a lot by enabling her to purchase forage for cattle and to pay for the transportation and harvesting services.

As this is Arevhat’s first loan, it has been approved within the framework of the new joint initiative between Kiva and SEF. The first-chance loan program provides loans to people who didn’t have access to credit products before, because they have no credit history.

Arevhat and her family rely on the goodwill of the lenders, and will appreciate their support in collecting the needed amount of the loan to maintain and develop their agribusiness.

Additional Information

More information about this loan

This loan is designed for clients who are considered to be riskier borrowers. SEF is committed to expanding financial access to these individuals, disbursing loans to clients who have no previous credit history, damaged credit, or who have been unable to get loans from other lending institutions.

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
  • 136
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    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 Arevhat to purchase forage for cattle and to pay for the transportation and harvesting services.
95% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 21, 2013
Dec 17, 2013
Currency Exchange Loss: