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Lusine lives in Goris with her husband, their two children, and her mother-in-law.

To earn a living, she is a teacher at a local school. Together with her family, Lusine also runs a farm. Currently, her farm has apple, pear, plum, and apricot trees. Lusine's school salary is only enough to cover the family's basic needs, so the agriculture business helps to provide an additional stable income stream.

Lusine has applied for this loan to renovate the greenhouse, which would allow her to cultivate vegetables and fruits and which she feels should enable her to significantly increase their income. The loan is important for Lusine because she expects it can help her generate more income and thereby ensure better living conditions for her family.

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
  • 161
    View loans »
    Armenia Loans Fundraising
  • $17,086,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Lusine to expand and improve her agriculture business by renovating her greenhouse.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 20, 2012
Dec 27, 2012
Currency Exchange Loss:
Nov 17, 2014