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Tehmine is twenty-three years old. She lives with her husband and two little babies. Tehmine works as an educator at the local kindergarden. In addition, she is also involved in agriculture with her husband. The couple raises cattle and cultivates land. Tehmine is planning to start the spring land cultivation of wheat, for which she needs fertilizer to process the land and fuel for the agricultural machine.

This loan will help Tehmine to cultivate the land effectively and gather a good harvest. Tehmine will earn more income from the sales of wheat, which is important for her to ensure better quality of life for her children.

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
  • 135
    View loans »
    Armenia Loans Fundraising
  • $15,776,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Tehmine to purchase fertilizier and fuel.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 26, 2012
May 3, 2012
Currency Exchange Loss:
Jun 2, 2012