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Lyudmila is 39 years old. She lives in Shaghat village with her husband, son and father-in-law. Lyudmila works at the local school as a teacher of biology. Besides that, she is involved in agriculture. Seven years ago the family founded a farm and has continually developed it during the last few years by building a barn and a fishpond. They also cultivate the land, where they grow potatoes and beans.

Lyudmila has applied for this loan to develop the farm. In particular, she plans to purchase fish and feed for them, as well as potato seeds and fertilizer to start the land cultivation.

This loan will allow Lyudmila to earn more income, renovate her house and create more prosperous 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 $3,000 helped Lyudmila to pay for potato seeds, fertilizer, fish and feed for the fish.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 13, 2012
May 3, 2012
Currency Exchange Loss:
Jul 26, 2012