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Vardges lives in Shirak town with his wife and two children (in the photo). About four years ago, he started his retail business. He trades in soft drinks and sweet sticks and chips. Due to his kind attitude toward clients, his shop is in demand and he has a lot of loyal clients.

Now he needs to do some investments in the shop in order to satisfy current market demand. So, Vardges has applied for this loan to purchase supplies for his shop.

Vardges hopes that this will enable him to meet his clients’ needs and gather a higher income, which will enable him to ensure a better future 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
  • 153
    View loans »
    Armenia Loans Fundraising
  • $15,809,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Vardges to pay for supplies for the shop.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Dec 25, 2012
Jan 21, 2013
Currency Exchange Loss:
May 17, 2013