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Alvard works at the local school as a teacher. Unfortunately, a teacher's salary is too low to cover the family's daily costs. So Alvard also keeps livestock and cultivates land.

Alvard would like to cultivate more land, as well as to develop farming. With the requested loan she plans to purchase garlic seeds and forage. With the help of this loan Alvard will develop her agriculture and increase her income. With increased income, Alvard will insure better living conditions for her family, as well as help her children and grandchildren, who live separately. Alvard lives together with her husband.

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
  • 164
    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 Alvard to pay for seeds and forage.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 5, 2011
Sep 3, 2011
Currency Exchange Loss:
Jul 17, 2013