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Zoya lives in Karnut village with her husband, three children, parents-in-law and brother-in-law.
This big family runs a farm. They keep livestock (cows, calves and chickens) as well as cultivate different types of fruit trees and vegetables.
Zoya has requested this loan of USD 2000 to purchase seeds, fertilizer and fuel for land cultivation. The loan is very important for Zoya and her family to continue developing their 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
  • 127
    View loans »
    Armenia Loans Fundraising
  • $14,873,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $2,000 helped Zoya to pay for seed, fertilizer and fuel for land cultivation.
70% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 10, 2014
May 17, 2014
Currency Exchange Loss: