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Armen lives in Kechut village with his wife, Anahit, his 2 daughters, and son. Armen works at the local fire service, but his salary is too low to sustain the family. So Armen also runs a farm, where he raises cows and grows apples, pears, and walnut trees. Armen would like to purchase one more cow, which will allow him to gather and sell more milk and earn more income. Armen is the only breadwinner for his family, and development of his agricultural business is vital for him to provide a stable income for them.

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Armen to pay for a cow.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 23, 2012
Sep 12, 2012
Currency Exchange Loss:
Nov 17, 2014