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Roza is 24 years old. She lives in Noyakert village with her family: her 50-year-old father, 47-year-old mother, two brothers and one sister-in-law. Though Roza's father and brother work, the main source of income for the family is agriculture. They run a farm where they have a grape orchard, grow peach, apricot and cherry trees and breed a cow.

Roza has applied for this loan to improve her orchard and start the land cultivation. With the requested amount, she will purchase fertilizer and poles and wires for the grape trees. This will help Roza to gather a good harvest, which means additional income and improved living conditions 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
  • 155
    View loans »
    Armenia Loans Fundraising
  • $15,809,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Roza buy fertilizer, poles and wires for her orchard.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 4, 2012
May 2, 2012
Currency Exchange Loss:
May 17, 2015