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Dianna lives in Kurtan village with her husband, mother-in-law and two school-age children. The family has been engaged in agriculture for many years. Their farm is small but very beautiful. It includes cows, calves, pig and chickens as well as arable land where Dianna cultivates wheat, potatoes and grass for animals.

The whole family works hard to gather a good agricultural harvest and have a successful farm. By applying for this loan, Dianna would like to purchase two more cows and enlarge her livestock. She has already taken a loan from a local financial institution before, but unfortunately wasn't able to repay it. However, thanks to her hard work during recent times, Dianna was able to run her agribusiness in a sustainable way, ensuring that she will be able to cover the monthly payments. So, she 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 is a hope for this family and they will be very grateful to lenders' for 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
  • 110
    View loans »
    Armenia Loans Fundraising
  • $14,010,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Dianna to pay for two cows.
49% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 19, 2013
Jan 16, 2014
Currency Exchange Loss: