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Jemma sells clothing. She has been in this business for already 20 years and has successfully managed and expanded it. Now Jemma would like to sells shoes too, and to purchase some sports clothing. This loan will help Jemma to increase her sales and bring in more income which will allow her to ensure a better future for her family. Jemma lives with her husband, son, daughter-in-law and two grandchildren.

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
  • $17,071,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Jemma to pay for clothing and shoes.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 16, 2012
Feb 1, 2012
Currency Exchange Loss:
Feb 17, 2014