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Zoya is an accountant by profession. She lives in the village of Vayk with her husband. Their children are married and live with their families.

Zoya is also engaged in cattle breeding. She keeps cows and 20 colonies of bees. Working with her husband, Zoya produces high-quality honey and sells it in local markets. By applying for this loan of US$1100, Zoya asks Kiva lenders to help her increase her livestock by paying for a calf and pig.

The loan is very important for Zoya, and she hopes for lenders' support.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $14,833,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,100 helped Zoya to pay for a calf and pig.
48% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Apr 20, 2014
Currency Exchange Loss: