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Silva is from Artsvanik village of Syunik region. She has been teaching in a local school for many years.

Silva lives with her husband, Hamlet, and jointly with him is involved in cattle breeding. They keep seven cows and 10 oxen. Silva collects milk, and Hamlet sells the milk and milk products in the local market. As agriculture helps them to have a stable income during the month, Silva, together with her husband, would like to increase their livestock.

Silva has applied for this loan to pay for a cow and an ox. This would help them to gather more products, sell them and earn more income. Silva's teacher's salary is hardly enough to cover daily costs so the agricultural income is very important for her to sustain her family and live a better life.

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
  • 130
    View loans »
    Armenia Loans Fundraising
  • $16,806,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Silva to pay for a cow and an ox.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 30, 2013
Feb 17, 2013
Currency Exchange Loss:
Feb 20, 2015