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Laura lives in Antarashat village with her husband (left in the photo), father-in-law (right in the photo) and 1-year-old daughter. The family earns its living through an agricultural business. They keep livestock, which currently includes 22 chickens, 3 cows and 7 beehives. The whole family works hard in order to sustain their living, but it is very difficult for them to cover their family's basic needs.

So, Laura has applied for the loan for an expansion of their farm. With the requested amount, she will purchase two cows and a calf. She plans to sell the milk and meat produced to gather more income. This will enable Laura and her family to cover daily costs and expand their farming business.

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
  • 172
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Laura to pay for 2 cows and a calf.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 12, 2012
Dec 20, 2012
Currency Exchange Loss:
Jan 17, 2015