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Bakhtim lives in Kechut village, Vayots Dzor region with her 2 daughters and son. Bakhtim's son is a police officer, and her older daughter works at the local school of arts. Bakhtim runs a farm, where she raises cows and lambs. Bakhtim would like to increase the number of cattle, which will allow her to gather more income from cattle breeding. She has applied for this loan to purchase a cow and a calf, as well as forage to feed the cattle. Additional income is important for Bakhtim to cover her household costs and sustain her children with prosperous life.

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
  • 141
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,700 helped Bakhtim to pay for a cow, a calf and forage.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Oct 5, 2012
Currency Exchange Loss:
Aug 17, 2013