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Aghavni lives in Zorak village with her husband, son and daughter-in-law. Aghavni runs a farm which includes 2 cows, 20 chickens and 2 turkeys. Aghavni also cultivates vegetables (tomato, onion and greens) and together with her husband sells the gathered harvest in nearby open markets. Agricultural income is highly important for Aghavni and her family to cover their daily costs and live with better living conditions.
Therefore, Aghavni requested this loan of USD 2500 to purchase a cow, pig, forage for the livestock and renovate the barn. This will be a huge support for Aghavni's farming business and she hopes for lenders' support.
As this is her 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 in the past because they have no credit history

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
  • 152
    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 $2,500 helped Aghavni to pay for a cow, pig, forage for the livestock and renovate the barn.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 14, 2014
Mar 26, 2014
Currency Exchange Loss:
Jun 17, 2014