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Tereza, who is 34 years old and lives with her mother in Zuygaxbyur, a village in the Shirak region, runs a farm which currently includes 12 cows, 10 sheep and 10 chickens. She also cultivates wheat, barley and grass. Tereza does her best to earn a high income and sustain her mother's living. As the only breadwinner in the family, she works hard to cover daily costs and at the same time run the farm.

Because it is very difficult for her to save money and cover operational costs, Tereza has applied for a loan to purchase forage to feed the livestock. The loan is very important for her as she strives to ensure a better life for her mother.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $16,783,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Tereza to pay for forage to feed the livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 5, 2013
Feb 28, 2013
Currency Exchange Loss:
Apr 16, 2014