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Amalya runs a little shop, where she sells flowers and cases for mobile phones. In order to be more competitive and increase sales Amalya would like to increase the variety of flowers. She has applied for this loan to purchase more flowers for her shop.

Amalya started her business a few years ago to have a stable source of income for her family. She lives together with her daughter. This loan will help her to increase the business income and invest in its further development.

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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Amalya to pay for flowers.
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jun 21, 2012
Jul 5, 2012
Currency Exchange Loss:
Aug 4, 2012