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Ara, who lives with his parents, sister and wife who support him in his agricultural enterprise, is a 30-year-old farmer from Shirak region. He keeps eight cows, four chickens and four calves, and uses the milk in cheese production.

Farming is the only source of income for Ara, and it helps him to cover his family's daily costs. He has requested this loan to buy two cows and four calves, purchases that will enable him to increase his agricultural products and earn a higher income from their sales.

This loan is very important for Ara to be able to improve his family's living conditions and ensure a better future for them.

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
  • 121
    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 $3,000 helped Ara to pay for two cows and four calves.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Mar 23, 2013
Currency Exchange Loss:
Apr 18, 2015