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Lena lives in Sisian town with her husband, Areg, and 2 little daughters: 2-year-old Mari and 1-year-old Meri. Lena works at Sisian fire service as a telephonist, and her husband is a fireman. However their salaries are not enough to cover their household costs. So, the couple also cultivates wheat, from the sales of which they get additional income.

To start the autumn sowing, Lena has applied for this loan to purchase wheat seeds and fuel. In addition, she will hire workers, who will do the plowing. This loan is important for Lena and her husband to gather a rich harvest next year and have enough income to make ends meet.

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
  • 129
    View loans »
    Armenia Loans Fundraising
  • $16,777,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Lena to pay for hired workers, wheat seeds and fuel.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 22, 2012
Aug 31, 2012
Currency Exchange Loss:
Sep 17, 2015