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Ruzan lives in Shaghat village with her family: her husband, two children and her parents-in-law. The main source of income for Ruzan's family is the farm, which they have been running for twelve years. They cultivate potatoes and beans, raise livestock and keep beehives. Through the years they have created the necessary conditions for successful development of the farm.

Ruzan has applied for this loan to develop cattle breeding. With the requested amount she plans to purchase two cows and 1,5 tons of condensed forage for the cattle. This will allow Ruzan to increase the income from agriculture, which she plans to invest in further expansion of the farm.

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
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Ruzan to buy two cows and forage.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 25, 2012
May 3, 2012
Currency Exchange Loss:
Jun 17, 2014