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Roza works at her city’s local TV station and lives with her parents, who are pensioners, and a brother who is unemployed. She supplements her income by selling milk from a cow she owns and by running her own fruit orchard. She and her family use this income to buy food, but it is not enough for provide them with a reasonable life. That is why Roza is applying for a loan to buy three new cows. This will help her and her family earn additional income and live a better life.

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
  • 175
    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 $3,000 helped Roza to buy three cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 25, 2011
Jul 1, 2011
Currency Exchange Loss:
Nov 15, 2012