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Gohar N. is married with three children, two of whom are married. The family is engaged in farming and land cultivation which helps them pay the university fees for their son who is studying in the capital city.

Although Gohar is a village school teacher and her husband is a village major, the salaries are extremely low, and it is impossible to survive on them. The farming business is the main source of income for their family.

To meet the high demand for lamb, Gohar is planning to purchase sheep to expand the 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
  • 139
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Gohar to buy sheep.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 4, 2011
Feb 13, 2011
Currency Exchange Loss:
Mar 17, 2014