Check out other loans that are currently fundraising!
Roza lives in Tsav village with her husband. The couple are involved in cattle breeding. Specifically, they keep a livestock of cows, pigs, chickens and sheep. With the help of agriculture, the family manages to sustain their living and cover basic costs. As the income that comes from agriculture is vital for their living, Roza would like to enlarge their livestock. The requested loan of USD 3000 will be a huge support for Roza to purchase two cows and a calf. This loan will help her to increase her agricultural income and improve her family's living conditions. As this is Roza'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 have not had access to credit products previously because they have no credit history. Roza and her husband will be very grateful to lenders' for their goodwill.

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
  • 91
    View loans »
    Armenia Loans Fundraising
  • $14,006,425
    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 Roza to pay for two cows and a calf.
83% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 21, 2013
Dec 21, 2013
Currency Exchange Loss: