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Smbat is 20-year-old proactive young man. He lives with his parents in Goris, Armenia. Smbat is engaged in agriculture and is the only breadwinner in the family. He keeps 8 cows, a calf, and 40 sheep. Despite his young age, Smbat has big plans for the future and is working hard to achieve his goals and ensure a better life for his parents. Smbat has applied for this loan to purchase 2 cows and 10 sheep. The loan is very important for him because an increase of his livestock will give him an opportunity to earn more income and implement his future plans.

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
  • 166
    View loans »
    Armenia Loans Fundraising
  • $17,105,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Smbat to pay for 2 cows and 10 sheep.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 17, 2012
Currency Exchange Loss:
Mar 18, 2014