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Gayane is 51-years-old. She lives in Sisian town with her husband. Gayane works at the local kindergarden.
Besides her work, she also keeps a cow. Gayane gets milk and uses it in cheese production. Her husband helps her to sell the cheese in local markets. Gayane has applied for this loan to purchase a cow, two heifers and forage for feeding them. The loan is very important for Gayane to get more milk and to make cheese. She is sure that this will help her to generate high income and improve her family's living conditions.

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
  • 160
    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 Gayane to pay for a cow, two heifers and forage for feeding the livestock.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jan 16, 2013
Jan 21, 2013
Currency Exchange Loss:
Aug 17, 2014