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Alvard H. lives with her husband and son in Brnakot, a village in the Syunik region. Alvard and her family members have improved their lives with the help of loans borrowed from SEF International. A cattle farm and land cultivation generate the main source of income for Alvard and her family. For the spring, Alvard needs to purchase seeds, fuel and fertilizer in order to create income opportunities for this year.

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
  • 137
    View loans »
    Armenia Loans Fundraising
  • $15,776,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Alvard to buy seeds, fuel and fertilizer.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 23, 2011
Apr 1, 2011
Currency Exchange Loss:
Jan 15, 2012