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Ramela is 37 years old and has two children. She lives in the village of Davit Bek in Armenia's Syuniq region, where she is a teacher at the local school. Together with her job at the school, Ramela is also involved in agriculture. She keeps four cows, seven sows and twelve bee colonies. Her salary as a teacher is hardly enough to cover her family's costs, so agriculture helps Ramela maintain a stable income and sustain her family. Ramela has applied for this loan to purchase a cow, a heifer and livestock feed. This loan is very important; it will allow Ramela to develop her agricultural business and to ensure better living conditions for her 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
  • 176
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,800 helped Ramela to pay for a cow, a heifer and livestock feed.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 16, 2013
Currency Exchange Loss:
Feb 20, 2015