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Garnik is 57 years old, and lives in Ararat town. He lives with his wife and two sons, who are attending school.

Garnik owns agricultural land where he grows 120 peach and 130 apricot trees. He is very hardworking person, and does his best to have a good harvest. Unfortunately, his income is not enough to cover all the basic needs of the family.

So, Garnik has requested this loan to purchase seeds. This will help him to gather more income, and ensure a better life for his 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
  • 126
    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 Garnik to buy seeds for cultivation.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 25, 2012
Jan 11, 2013
Currency Exchange Loss:
Nov 17, 2014