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Zoya has been involved in beekeeping for many years. She is a teacher by profession, but is already retired. She lives with her only son, who is employed in the private sector.

Zoya is a beekeeper. She currently keeps 24 colonies of bees, gets honey and sells it to locals.

She has requested this loan of USD 3000 to be able to increase the number of beehives by 14 and enlarge her honey production.

Zoya is very hardworking and she will be very grateful if lenders support her to develop her beekeeping 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
  • 132
    View loans »
    Armenia Loans Fundraising
  • $14,333,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zoya to pay for fourteen colonies of bees.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 4, 2014
Apr 27, 2014
Currency Exchange Loss:
Apr 18, 2015