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Arusyak is 36 years old and lives in the town of Sisian with her husband, mother-in law and children. She earns a living by raising a cow and 15 chickens, and also cultivates wheat. Together with her mother-in-law, she uses her cow's milk to make cheese, which her husband sells in a local market. Because farming helps her family have a stable income, Arusyak has applied for this loan to expand her herd by buying two calves and forage for them to eat. This will help her produce more cheese and increase her income.

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
  • $17,065,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Arusyak to buy two calves and forage for them to eat.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jan 21, 2013
Jan 22, 2013
Currency Exchange Loss:
Oct 17, 2014