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Elena is a farmer. She owns a small piece of farmland where she grows pear and apricot trees. She lives with her husband and daughter in the town of Masis in the Ararat region. Together with her husband, Elena sells the harvested produce in the market and in this way earns some income. Agriculture is the only source of income for Elena and her family.

Elena owns a greenhouse which is very old and which needs to be renovated. Elena has therefore applied for this loan to allow her to make essential repairs and renovations to the greenhouse. She will also use a portion of the loan to buy tomato seeds to plant.

The loan will help Elena to expand her agricultural activity and gather more income. With the help of this loan, she will be able to better cover the family's basic needs.

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
  • 139
    View loans »
    Armenia Loans Fundraising
  • $15,776,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Elena to buy tomato seeds and to renovate her greenhouse.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 23, 2013
Jan 26, 2013
Currency Exchange Loss:
Jul 17, 2015