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Anush lives in Ranchpar village of the Ararat region. She is a farmer with five years of experience. Over these years of hard work, Anush was able to build a greenhouse where she cultivates greens and different types of vegetables. Anush also keeps a pig and ten chickens. Anush lives together with her husband and two children ages 17 and 25 years old, who help Anush with farming activities.

Anush currently asks a loan of $2,200 to be able to purchase supplies needed for her farm. Particularly she will use the loan in purchasing seeds and fertilizer for land cultivation and forage for feeding the livestock. Anush has already taken a loan from a local financial institution before, but unfortunately was not able to repay it. However, thanks to hard work during recent times, she was able to run her agribusiness in a sustainable way, ensuring that she will be able to cover the monthly payments.

So Anush has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF international. The second-chance loan program provides loans to people who have a bad credit history and have no access to credit products. The loan will be a huge support for Anush and her family and they will be very grateful to lenders for their goodwill and support.

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
  • 167
    View loans »
    Armenia Loans Fundraising
  • $14,947,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,200 helped Anush to pay for seeds and fertilizer for land cultivation and also forage for feeding the livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Dec 21, 2013
Currency Exchange Loss:
Oct 17, 2015