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Viktor is from Verishen village. He is 37 years old, and lives with his parents, wife and three children.

Viktor is involved in agriculture. He keeps 20 cows, and also has agricultural land where he cultivates potatoes and haricots. Viktor's wife uses the milk in cheese production, and Viktor sells it in the local markets. This is the only source of income for this big family, and it is very difficult for Viktor to cover even the basic daily needs of the family.

Viktor has applied for this loan to purchase three more cows, which will enable him to get more milk, and will increase his monthly income.

This loan is very important for Viktor to get a higher income and ensure a better life for his children.

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
  • 175
    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 Viktor to buy three cows for his cheese production business.
100% repaid
Repayment Term
31 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 14, 2013
Currency Exchange Loss:
Jan 17, 2015