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Susanna lives in Spandaryan village with her husband. Her two sons are migrant workers in a neighboring country. Susanna and her husband have been farmers for 20 years. The farm has both livestock (cows, chickens, sheep and turkeys) and also arable land where barley, potatoes and grass are cultivated.

Susanna’s husband is a fisherman. The income that they get from agriculture is hardly enough to cover basic costs. So Susanna also works at a local village school as a cleaning woman. She is a hard working woman who does her best to sustain her family's standard of living.

Susanna asks support to be able to purchase 3 oxen and feed for the livestock. The loan will be a great improvement for her family as they will have a chance to earn additional income from agriculture.

Susanna dreams of earning a stable income and having a profitable farm so her sons will be able to come back and live in their country.

Additional Information

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

  • $6,400
    Average annual income
  • 95
    View loans »
    Armenia Loans Fundraising
  • $12,655,100
    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 Susanna to pay 3 oxen and feed for the livestock.
43% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jan 29, 2014
Feb 18, 2014
Currency Exchange Loss: