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Karine is a very hardworking woman from Goris, Armenia. She lives alone and does everything by herself. She tends 35 sheep and does her best to earn enough income to sustain her living costs. It is very difficult for her to cover basic needs.

Karine has applied for a loan to increase her sheep flock by purchasing 27 sheep and the forage for feeding them. This loan is very important for Karine to increase her income and improve her 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
  • 164
    View loans »
    Armenia Loans Fundraising
  • $17,075,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Karine to buy 27 sheep and forage to feed them.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 14, 2013
Mar 22, 2013
Currency Exchange Loss:
Mar 19, 2015