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Ruzanna is a young agronomist from Marmarashen village. She lives together with her husband, parents-in-law and two little kids.
Ruzanna owns a greenhouse where she cultivates greens. Her husband sells the gathered harvest in local markets and supports his family by the income from agriculture. Now Ruzanna has applied for a loan of USD 2000 to develop her farming business. With this loan she plans to pay for the renovation of the greenhouse, purchase polyethylene cover for it and green seeds. This will allow Ruzanna to get more income and expand her farm further.

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
  • 136
    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 $2,000 helped Ruzanna to pay for renovation of the greenhouse, polyethylene cover for the greenhouse and green seeds.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 25, 2014
Mar 24, 2014
Currency Exchange Loss:
Jul 17, 2015