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Nvard lives in Ararat village, with her husband and two children. Nvard owns agricultural land, where she grows apple, plum and apricot trees, and cultivates wheat. She works hard to gather a good harvest and have high income. But, unfortunately, the monthly income is hardly enough to cover her family's basic costs and sustain it. So Nvard has applied for this loan, to purchase wheat seeds and cover cultivation costs, to grow more wheat. This will significantly help Nvard to increase her income.

The loan is very important for Nvard to be able to ensure a better life 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
  • 112
    View loans »
    Armenia Loans Fundraising
  • $16,727,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Nvard to pay for wheat seeds and cover cultivation costs, which will enable her to grow more wheat and obtain more income.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 14, 2013
Currency Exchange Loss:
Jan 17, 2016