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Vardan works at the local school as a chess teacher. Unfortunately, a teacher's salary is too low to make ends meet.

Vardan is also engaged in farming. Vardan would like to increase his herd and develop his land. With the requested loan, he plans to purchase livestock and forage.

Agricultural development will help Vardan increase his income and ensure a brighter future for his family. Vardan lives with his parents and grandmother.

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
  • 176
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Vardan to pay for livestock and forage.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 19, 2011
Oct 1, 2011
Currency Exchange Loss:
May 16, 2012