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Kristine lives in Getashen village in the Armavir region of Armenia with her husband and two sons. Because the level of unemployment is high in the region, Kristine's two sons have to leave to go abroad for work. Meanwhile, Kristine and her husband run a farm, where they raise cows and pigs along with cultivating tomatoes and watermelon.

Kristine does not have enough land to cultivate forage for the livestock, so she has to purchase forage, for which she needs sufficient funds. Kristine has applied for this loan to purchase grass and barley for the livestock. She also plans to buy a cow, which allows her to gather more milk.

Kristine dreams of developing her farm so that her sons will be able to get involved in agriculture and earn enough income to sustain their families in the future. This loan is important for her to develop the farm and reach this goal.

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
  • 137
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Kristine to pay for a cow, grass and barley.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 21, 2012
Sep 14, 2012
Currency Exchange Loss:
Apr 17, 2013