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Emma lives in Khashtarak village with her husband and son. Emma and her husband are farmers and their son works at a local bakery.

Emma and her husband have been farmers for the past seven years and have developed their farm with hard work and favorable conditions. Emma is requesting a loan to purchase 5 calves and forage for the livestock. The loan will increase Emma's income, which is important to help this hardworking family meet their needs. She hopes to ensure a stable future for the family.

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
  • 110
    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 Emma to pay for 5 calves and forage for the livestock.
68% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 21, 2014
Mar 24, 2014
Currency Exchange Loss: