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Harutyun lives in the town of Goris with his parents. At the age of 24, upon returning from two years of service in the army, Harutyun found a way to make a living by running a farm. His farm is small and includes only 7 cows, but he works hard, produces milk and milk products, and sells them in the local market.

Because agriculture helps him to have a stable monthly income, Harutyun would like to expand his farm. He has applied for a loan to purchase three cows and forage to feed his livestock. The loan is very important for Harutyun to expand his farm, earn more agricultural income, and improve his family'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
  • 175
    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 Harutyun to buy three cows and forage to feed them.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 3, 2013
Apr 16, 2013
Currency Exchange Loss:
Apr 18, 2015