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Zoya is a woman from Tsaghkaber village. She lives there with her husband and 24-year-old son.

The family is engaged in agriculture. They have been keeping a livestock of cows, sheep and chickens and cultivating wheat, barley and potatoes over 15 years.

Zoya has now applied for this loan of 3,000 USD to be able to purchase agro machinery for gathering the harvest and barley seeds for cultivation. The loan will be a big support for Zoya's farm as she would be able to organize farming activities more efficiently. She dreams to have a big and profitable farm so her family will have appropriate living conditions.

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

  • $6,300
    Average annual income
  • 135
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zoya to pay for agro machinery for gathering the harvest, and barley seeds.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 20, 2014
Mar 23, 2014
Currency Exchange Loss:
Nov 17, 2015