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Alvard is a 28-year-old business woman from Yereavan. She lives with her husband, their little baby and her pensioner mother-in- law. Alvard works as a translator. Almost a year ago, she decided to start her own business and get financial independence. Alvard started trading in women's jewelry and cosmetics and due to her quick wit, kept stable the growth of her business.

Now Alvard needs some financial investments to increase the inventory variety in her shop. She plans to purchase new varieties of jewelry and cosmetics. Alvard will increase her sales and get additional income, which will allow her to insure the financial stability 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
  • 137
    View loans »
    Armenia Loans Fundraising
  • $15,799,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Alvard buy jewelry and cosmetics.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 24, 2012
Mar 3, 2012
Currency Exchange Loss:
Jan 16, 2013