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Zoya is 48 years old. She lives with her husband and son. Zoya has been involved in farming for 15 years. She keeps greenhouses where she grows different kinds of fruits and vegetables. The conditions of the greenhouses have gotten worse in the last years, and this makes it difficult to create favorable conditions for fruits and vegetables to grow. So Zoya wants to renovate her greenhouses and solve this problem. She also plans to use this loan to purchase seeds and fertilizer. This loan will help Zoya to gather a richer harvest this year and insure a better life for her family by renovating her house.

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
  • 158
    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 $1,500 helped Zoya to buy seeds and fertilizer and renovate her greenhouses.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Mar 5, 2012
Currency Exchange Loss:
Mar 19, 2015