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Tovmas is a young farmer from Horom village of Shirak region. He owns agricultural land where he cultivates potatoes. He sells the harvest in the local markets and gets income that helps him to sustain his family.

Tovmas is 29 years old and lives with his parents, sister and wife. He works hard to cover the family's basic costs and give his family appropriate living conditions.

As Hovhannes has insufficient funds to purchase fertilizer, he has applied for this loan. With the loan's help, he will purchase fertilizer and will be able to undertake all the necessary cultivation processes.

Hovhannes hopes that the loan will give him an opportunity to gather a good harvest and high income. He waits for your support!

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Tovmas to pay for fertilizer.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 14, 2013
Mar 3, 2013
Currency Exchange Loss:
Oct 17, 2014