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Shamam lives in Yerevan with her daughter and son. She sells clothes from a rented booth at the city market.

Shamam wishes to sell more clothes and increase her working capital. With the requested loan she plans to purchase more clothing and increase her trade. As a result Shamam will increase her income and be able to insure better living conditions for her family.

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
  • 167
    View loans »
    Armenia Loans Fundraising
  • $17,075,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Shamam to buy more clothing to sell.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 28, 2011
Jun 1, 2011
Currency Exchange Loss:
Apr 15, 2012