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Gevorg lives in Mastara village with his family. He is the father of two school-aged children. Gevorg and his wife have been involved in agriculture. They keep livestock (sheep, chickens, cows and calves) and cultivate wheat and barley. The family's only source of income comes from farming, so Gevorg works hard to gather a good harvest and a high income.

Gevorg has requested this loan to be able to increase his livestock and enlarge his farm. The loan will help him to purchase 5 piglets, 2 oxen and forage for feeding the livestock. This will increase his agricultural income and allow Gevorg to provide a better life for his family.

As this is Gevorg'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. Gevorg relies on lenders' support and 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
  • 127
    View loans »
    Armenia Loans Fundraising
  • $14,350,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Gevorg to pay for 5 piglets, 2 oxen and forage for feeding the livestock.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 27, 2013
Jan 17, 2014
Currency Exchange Loss:
Feb 16, 2014