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Zoya lives in Yerevan town with her three grown up children.

Zoya sells flowers from a small rented space in the center of Yerevan. Her children bring income to the family as well, but Zoya feels very responsible for gathering income and helping them with the family's costs.

Now this hardworking woman, with a perfect credit history behind her, is applying for this loan.

She plans to repair the storage area where she keeps flowers and also purchase a new stock of supplies to sell to her customers. Zoya will be very grateful if lenders support her small retail business.

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
  • $14,314,150
    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 Zoya to pay for repair of her storage area and purchase a new stock of supplies.
58% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 15, 2014
Apr 24, 2014
Currency Exchange Loss: