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Svetlana M. lives with her husband and three children in Vaghatin village in the Syunik region. Svetlana works as a nurse at the local Medical Center. The main income for her family comes from beekeeping and agriculture. It has been only recently that Svetlana had taken her loan from SEF to purchase more beehives. Her aim was to diversify her sources of revenue to have sufficient income during both good and bad seasons. Her beekeeping business was so successful that the additional income allowed Svetlana to pay off her loan before its due time. Now Svetlana has applied for her next loan to invest further in her agriculture business. She will use the loan to purchase wheat seeds, fertilizer and diesel.

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
  • 171
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,700 helped Svetlana to purchase seeds and fertilizer for her agriculture business.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 11, 2011
Mar 15, 2011
Currency Exchange Loss:
Jul 26, 2012