Kiva Loans for SEF International UCO LLC, a partner of World Vision International

Hayk : Armenia

Wed, 22 May 2013 07:00:02 PDT

$1,825 of $3,000 raised.

Started raising funds on May 22, 2013

Hayk is a young and hardworking farmer from the Syunik region. This region is famous for its severe climate, and locals here are mostly involved in cattle breeding and some in limited land cultivation. Hayk keeps 100 sheep and cultivates potatoes. He sells his agricultural products locally and works hard to sustain his family of 5: Hayk himself, his wife, his sister and his parents. As the only breadwinner in the family, Haik does his best to breed the sheep and get income. He has applied for this loan to purchase fertilizer, which is very important for the land cultivation, seeds and to cover fuel costs. This is very important for Hayk to be able to cultivate more fruits and vegetables and increase his income.

Goharik : Armenia

Sat, 01 Jun 2013 08:30:02 PDT

$650 of $2,000 raised.

Started raising funds on Jun 1, 2013

Goharik is from Qarakert village of Armavir region. Together with her husband, she is involved in cattle breeding. They keep two cows, two mother pigs, 26 little pigs and 30 chickens. The gathered milk and meat is sold locally, and this is the only source of income for their family. As there is a high unemployment rate in the region, it is very difficult for Goharik and her husband find a job and sustain the family with additional income. So agriculture is the only source that helps them to have stable income during the month, and they would like to enlarge their farming business. This is the reason why Goharik has applied for this loan. With the loan's help she will purchase a pig, fertilizer and seeds for land cultivation. This will help them to get involved in land cultivation and gather harvest. Goharik hopes that her hard work one day will make her dreams come true, and she will be able to have a big farm and comfortable living conditions.

Anna : Armenia

Tue, 18 Jun 2013 14:50:03 PDT

$1,675 of $3,000 raised.

Started raising funds on Jun 18, 2013

Anna is married with a little child. Together with her husband Zhora, who is also in the photo, she runs a farm. Their farm currently includes 22 chickens, a cow and a calf. Anna milks the cow and uses milk in cheese production. Zhora sells agricultural products in the market and gets income which is vital for their family's living expenses. Anna would like to enlarge the family's farming business since agriculture is their only source of income. As Anna has no financial means for doing so, she has applied for this loan. With the help of this loan, Anna will purchase 3 oxen and a calf and will be able to expand her farm. The loan is very important for Anna and her husband to gather a higher income and ensure a better life for their little child. They dream of having a profitable farm with a large number of livestock.

Sarmen : Armenia

Sat, 01 Jun 2013 20:40:03 PDT

$400 of $1,500 raised.

Started raising funds on Jun 1, 2013

Sarmen has been a farmer for the past 10 years and has developed his farm with hard work and favorable conditions. Sarmen lives with his wife and three children and works hard to sustain their living. Sarmen's wife helps her husband with cattle breeding. She milks cows and uses the gathered milk in cheese production. Sarmen sells the gathered milk, meat and cheese to local resellers and earns an income. Realizing that agriculture is very important for him, Sarmen has applied for this loan. With the loan's help, Sarmen will purchase 14 sheep and will increase his livestock. The loan is important for Sarmen to make his agricultural business profitable and ensure a better life for his family.

Alvard : Armenia

Mon, 10 Jun 2013 08:30:07 PDT

$1,075 of $3,000 raised.

Started raising funds on Jun 10, 2013

Alvard has been involved in land cultivation for 10 years. Particularly, she cultivates tomatoes and sells them locally. For an unemployed single mom with three children, agriculture is her only source of income. Alvard owns a greenhouse where tomatoes are grown. Unfortunately because of recent bad weather conditions, her greenhouse got damaged and needs to be renovated. As Alvard has no financial means for doing that, she has applied for this loan. The other part of the loan will be used for purchasing fertilizer which is very important for successful cultivation of the land. Alvard waits for your support and she hopes that this loan is a small step to her dream of having a big and profitable farm.

Neli : Armenia

Sun, 02 Jun 2013 09:10:02 PDT

$1,150 of $3,000 raised.

Started raising funds on Jun 2, 2013

Despite her young age, Neli has been involved in agriculture for 16 years, running a farm in Taperavan, one of the small villages of Ararat region. Neli owns arable land upon which she cultivates tomatoes, working hard to gather a good harvest and sustain her family.

The mother of a little daughter, Neli and her husband do their best to earn enough income for the family. Because agriculture is the family's only source of income, she would like to expand her farming business and so has requested this loan to purchase seeds and fertilizer. The loan will give Neli an opportunity to increase the harvest and sell it locally.

As an enthusiastic woman willing to improve her family’s living conditions, Neli is sure that her hard work will result in the big farm of her dreams.

Arevik : Armenia

Sat, 01 Jun 2013 07:30:02 PDT

$650 of $3,000 raised.

Started raising funds on Jun 1, 2013

Arevik has been involved in land cultivation for 10 years. She cultivates tomatoes and grows apricot, apple and pear trees with great love and pleasure. She sells the gathered harvest locally and gets income that is vital for sustaining her family of 5: Arevik herself, her husband, son, daughter-in-law and little grandchild. Arevik works hard to get income, because agriculture is the only source of income for her family. The income she gets is hardly enough for covering basic costs and there is no money left for enlarging the farm. So, Arevik has applied for this loan to purchase fertilizer and seeds, which are very important for successful cultivation of the land. The loan will help Arevik to increase the variety of trees that she grows and gather more harvest. She dreams of having a stable income and ensuring a better and secure life for her family.

Manvel : Armenia

Thu, 23 May 2013 10:20:10 PDT

$425 of $2,000 raised.

Started raising funds on May 23, 2013

Manvel has been involved in agriculture for 12 years. He is a father of three sons and lives in a small village of Ararat region. Manvel runs a farm which currently includes a cow, 20 chickens, 2 bulls. He owns an agricultural land where he cultivates different types of fruits and vegetables (wheat, tomato, peach, apricot, cherry, plum, nut, apple and pear). Manvel's whole family helps him with running a business. His wife milks cows and uses it in cheese production. Manvel's sons help him to gather harvest and sell it locally. As farming business is the only source of Manvel's income, it is very important for him to expand it. Because now there is a big demand of pork in Armenian market, Manvel would like to have pigs which he would fatten and sell. He has applied for this loan to purchase pigs, forage for feeding them and tomato seeds for cultivation. The loan is very important for Manvel to enlarge his farm, gather more income and improve his family's living conditions.

Qnarik : Armenia

Sat, 01 Jun 2013 12:20:01 PDT

$400 of $3,000 raised.

Started raising funds on Jun 1, 2013

Qnarik is from a small village in the Shirak region, which is one of the oldest and most beautiful regions of Armenia. Locals here are mostly involved in cattle breeding and some limited land cultivation.

Qnarik keeps livestock and cultivates wheat. Her livestock currently includes 60 chickens, 10 bulls, 5 cows, 5 colonies of bees and 2 pigs. A very hardworking woman, she and her husband work hard to sustain their family of six consisting of Qnarik herself, her husband, grandparents and two sons, both of whom serve in the army.

The income that Qnarik and her husband earn from cattle breeding is hardly enough to cover the family's daily costs, and additional income is vital for them. Because they own old agro machinery that needs to be renovated, she has requested this loan which will result in their work being more effective.

Qnarik does her best to save money to ensure a better life for her sons.

Smbat : Armenia

Sat, 01 Jun 2013 21:00:02 PDT

$225 of $2,500 raised.

Started raising funds on Jun 1, 2013

Smbat is from Nor Amasia village in the Armavir region. He works at a local school as a teacher, but unfortunately, it is not possible to survive on a teacher's salary alone and for that reason, Smbat is also involved in agriculture. He keeps pigs and cultivates onions and sunflowers. Smbat's family consists of his wife and son who are helping Smbat with the agriculture. Realizing that the farming business is important for the family to gather a stable income during the month, Smbat would like to expand it. He has applied for this loan from SEF International to purchase seeds and fertilizer, which is very important for the successful cultivation of the land. The loan is important for Smbat to have a chance of expanding his agricultural business and gathering a high income.

Salvi : Armenia

Sat, 01 Jun 2013 21:00:02 PDT

$300 of $3,000 raised.

Started raising funds on Jun 1, 2013

Salvi and her husband (in the photo) are engaged in breeding cattle and in land cultivation. Salvi is a very enthusiastic woman willing to improve her family’s conditions (her three children are in the photo). The family’s farm currently includes 25 cows and 10 calves. They also own agricultural land where they cultivate wheat, barley, and potatoes as well as grow plum and pear trees. Together with her husband, Salvi works hard to gather a good harvest and raise the cattle. The gathered agricultural products they sell locally and earn an income, which is the only way of sustaining the family. The income from farming is hardly enough to make ends meet so it is very important for Salvi to expand her farm. She has applied for this loan for purchasing seeds and fertilizer for good cultivation. The loan will help Salvi and her husband to cover fuel costs and take the gathered harvest to the market. So the family works to have a big and successful farm.

Samvel : Armenia

Sat, 01 Jun 2013 21:10:01 PDT

$275 of $2,600 raised.

Started raising funds on Jun 1, 2013

Samvel is a teacher with many years of experience teaching at the local school. He lives with his wife and two children. As a teacher's salary is hardly enough to make ends meet, Samvel is also involved in cattle breeding. Realizing that agriculture helps him to have a stable income, Samvel would like to expand it. He has applied for this loan to purchase land. This will enable him to cultivate different types of fruits and vegetables and gather more income. Samvel works hard to improve his family's living conditions and ensure a better future for his children.

Stepan : Armenia

Sat, 01 Jun 2013 21:10:01 PDT

$225 of $3,000 raised.

Started raising funds on Jun 1, 2013

Stepan lives with his mother in the Darbas village of Syuniq region. This region of famous for its severe climate and locals here are mostly involved in cattle breeding and some land cultivation.

Stepan is a young farmer. He breeds cattle (cows, pigs, sheep, chickens,) and cultivates barley and potato. He works hard to gather a good harvest and get income, which is vital for sustaining his and his mother's living.

To enlarge his farming business, Stepan has applied for this loan. With the loan's help, he will purchase seeds and will be able to cultivate more fruits and vegetables. He will also cover fuel costs and will take the harvest to the market.

Stepan's only dream is to see his mother without problems and to give her better living conditions.

Anahit : Armenia

Sun, 02 Jun 2013 11:20:02 PDT

$475 of $3,000 raised.

Started raising funds on Jun 2, 2013

Anahit is from Mrgavet village of Ararat region. She has been engaged in agriculture for many years. Her farm currently includes 2 cows and a pig, as well as growing apricots, peach trees, and cultivating tomatoes. Anahit's husband sells the gathered harvest locally and gets income for the family. This income is very important for Anahit to sustain her family of 5: Anahit herself, her husband, and three children. Realizing that agricultural income is very important for the family, Anahit would like to expand it. She has applied to SEF International for a loan. With the help of the loan she plans to purchase a cow, a calf, and fertilizer, which is very important for successful cultivation of the land. The loan is very important for Anahit to enlarge her farming business and give her family better living conditions.

Susanna : Armenia

Mon, 10 Jun 2013 04:50:02 PDT

$150 of $2,500 raised.

Started raising funds on Jun 10, 2013

Susanna has been engaged in a cattle-breeding business for many years. Susanna is a mother of three school-age children. Together with her husband, Susanna keeps a cow and three oxen. She milks the cow and produces cheese while her husband sells the cheese at the local market. This is the sole income for the family. This is why Susanna and her husband work hard to have a stable income and cover their children’s' daily costs. By applying for this loan, Susanna wants to purchase a cow and forage for feeding the livestock. This is very important for her to enlarge the production of cheese and gather more income for the family. Susanna also owns a plot of agricultural land where she grows different type of trees such as peach, apricot, cherry and nut. She dreams of having a big farm and works hard to make her dream come true.

Artush : Armenia

Mon, 10 Jun 2013 09:00:02 PDT

$125 of $2,200 raised.

Started raising funds on Jun 10, 2013

Artush has 14 years of experience in agriculture. In addition to running a farm, Artush is a village veterinarian. He keeps cows, bulls, and sheep. He also cultivates wheat and sells it at the local market. Realizing that agricultural income is very important for him to sustain his family, Artush wants to enlarge his business. He has requested this loan to purchase seeds and fuel for transporting the harvest to the market. The loan is very important for Artush to increase his income and improve the standard of living for himself, his wife, and his son.

Nunufar : Armenia

Fri, 14 Jun 2013 08:00:15 PDT

$75 of $2,900 raised.

Started raising funds on Jun 14, 2013

Nunufar has been involved in agriculture for many years. She keeps livestock (calf, cow and chickens) and grows peach, apricot, nut and apple trees. As a mother of two children, Nunufar works hard to gather a good harvest. Nunufar's husband sells the agricultural products in the local markets and gathers income which is vital for covering family's basic costs. In order to expand their farming business, Nunufar would like to expand her livestock. Having no financial means for that, Nunufar has applied to SEF International for a loan. The loan will be used to purchase calves and oxen, as well as fertilizer for successful cultivation of the land. This loan is very important for Nunufar and her husband to enlarge their farm and ensure a better life for their children.

Grigor : Armenia

Sat, 01 Jun 2013 20:30:02 PDT

$200 of $3,000 raised.

Started raising funds on Jun 1, 2013

Grigor has been a farmer for the past 16 years and has developed his farm with his hard work and favorable conditions. Grigor lives with his mother and twin brothers. He grows tomato and beans, different types of trees (peach, plum, apple), and raises cattle. Grigor is requesting a loan to purchase fertilizer, to purchase seeds (for cultivation), and to cover fuel costs. This loan will increase Grigor's income, which is important to help this young farmer meet his family's needs. He hopes to insure a stable future for his family and to give them better living conditions.

Andranik : Armenia

Sat, 01 Jun 2013 20:50:01 PDT

$100 of $2,500 raised.

Started raising funds on Jun 1, 2013

Andranik has been involved in agriculture for the past 25 years. He breeds cattle and is involved in land cultivation. Andranik is a very enthusiastic person willing to improve his farm and sustain his family of five: Andranik, his wife and their three children. The years of running a farm gave Andranik many loyal customers who prefer to buy agricultural products only from him. As the farming business is the only source of Andranik's income, he would like to expand it. He has applied for this loan to purchase seeds and fertilizer, which is very important for successful cultivation of the land. With the loan's help, Andranik will also renovate the old barn and have an opportunity to increase the livestock. Andranik is dreaming of developing his farm so that his children will be able to get involved in agriculture and earn enough income to sustain their families in the future.

Sargis : Armenia

Sun, 02 Jun 2013 11:10:02 PDT

$150 of $2,000 raised.

Started raising funds on Jun 2, 2013

Sargis has been involved in agriculture for 20 years. He earns his living by running a farm, which currently includes 3 cows, 5 sheep, 2 pigs, and 20 chickens. Sargis also owns arable land where he cultivates wheat and sunflower and sells the gathered harvest locally. Sargis has a big family of seven (in the photo): Sargis himself, his wife, mother, son, daughter-in-law, and two grandchildren. The whole family helps Sargis with running the farm and they work hard in order to gather good income. Having lots of experience in the agricultural field helps Sargis get high quality milk, meat, and other agricultural products to sell at local markets. The income from agriculture is the only one for the family, that's why it is very important for Sargis to enlarge his farming business. He has applied to SEF Internation for a loan, which he will use for purchasing 5 oxen and wheat seeds for starting the cultivation process. The loan will help Sargis to increase his agricultural activity and have a profit. Sargis dreams of developing his farm so that his son will be able to get involved in agriculture and will be able to sustain his family in the future.

Narek : Armenia

Sun, 02 Jun 2013 10:30:01 PDT

$50 of $2,500 raised.

Started raising funds on Jun 2, 2013

Narek is a young farmer from Tavush region. His farm currently includes 20 chickens and 7 pigs. He cultivates potatoes and grows different kinds of fruit trees (plum, cherry, apple, and pear). As the only breadwinner of the family, Narek works hard to earn a good income. His family includes four people: Narek himself, his wife, and his parents. In order to enlarge his farm, Narek has applied for this loan. With the loan's help, he will purchase two calves and forage for feeding them. This is important for him, to get a higher income and ensure a better life for his family.

Erik : Armenia

Sun, 02 Jun 2013 13:00:01 PDT

$150 of $2,500 raised.

Started raising funds on Jun 2, 2013

Upon returning from two years of service in the army, Erik, at the age of 24, found a means to make a living by breeding cattle. He breeds 110 sheep and earns income. Due to his hard work, Erik has gained many loyal customers who prefer to buy beef and milk only from him. In order to expand his agricultural business, Erik would like to increase the variety of livestock he keeps. Erik has applied for this loan to purchase eight calves and enlarge the cattle breeding business. The loan is very important for Erik to be able to get high enough income and ensure better life for his family. Erik lives with his mother and brother and is the only breadwinner of the family.