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Mkhitar is from Arpy village of Vayots Dzor region. He lives with his wife, Maspyur, and son, Edvard, who is 25 years old.

Mkhitar runs a farm. He keeps a cow and 12 chickens, and he grows peach, apricot, pear, nut and apple trees. He is a very hard-working farmer and does his best to sustain his family. His wife helps him to gather the harvest and sell it in the local open markets. For Mkhitar and his family, this is the only source of income, and unfortunately he is hardly able to cover the family's costs.

Mikhitar has applied for this loan to purchase a heifer and forage for feeding the livestock. The loan is very important for him to earn more income and ensure a better life for his family.

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
  • 134
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Mkhitar to pay for a heifer and forage for feeding the livestock.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 30, 2013
Feb 17, 2013
Currency Exchange Loss:
Dec 17, 2015