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Annik is 48 years old. She lives in small village with her husband, son and daughter.
Together with her husband, Annik is involved in agriculture and has been raising seasonal fruits and vegetables for the past ten years. During these years, Annik and her husband gained enough skills and experience to run an agricultural business. They chose this business because it is profitable. Fresh fruits and vegetables are in high demand as people use fresh vegetables every day and consider them healthy. The main source of income for the family comes from selling the gathered harvest in the local market.
So Annik has applied for this loan to expand her business.
With the loan's help she will purchase fertilizer and will cover cultivation costs.
The loan is important for Annik and her husband to gather more income from their agricultural crops, to enlarge their business and be able to ensure a better future for their children.

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
  • 157
    View loans »
    Armenia Loans Fundraising
  • $15,809,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,400 helped Annik to pay for fertilizer and cover cultivation costs.
87% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 4, 2013
Apr 18, 2013
Currency Exchange Loss: