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Ervand is from Khndzoresk Village of the Syunik region. He is 28 years old and lives with his parents. Ervand's parents are retired with a retirement pension, so Ervand is the only breadwinner in the family. He owns a farm which currently includes ten cows, 300 lambs and twenty chickens. He has more than seven years of experience in this field, so the expansion of his farm is very important to him.

Ervand has applied for this loan to purchase two cows and six lambs. This will expand his livestock and will help him to gather more income. This loan is very important for Ervand to cover his family's basic costs and improve his parent's living conditions.

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
  • 171
    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 $3,000 helped Ervand to pay for two cows and six lambs.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Feb 17, 2013
Currency Exchange Loss:
Mar 19, 2015