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Zhasmen lives in Khndzoresk village with her husband and son. The main source of income for the family is agriculture: cattle breeding and land cultivation. Zhasmen uses the main part of the income to cover the family's household costs, which doesn't allow her to make savings to invest in agriculture. Zhasmen uses special techniques to cultivate the land, and she needs to purchase fuel to continue the land cultivation. She also wants to purchase forage to feed the cattle and keep stable development of the cattle breeding.

This loan is important for Zhasmen to purchase necessary fuel and forage. This ensures a stable income for her during the year, and will help her to ensure her family's livelihood.

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
  • 156
    View loans »
    Armenia Loans Fundraising
  • $15,809,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Zhasmen to pay for fuel and forage.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 8, 2012
Jun 1, 2012
Currency Exchange Loss:
Jul 1, 2012