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Zhasmen is from Ujanis village where she lives with her husband. To be financially secure and ensure a stable income for herself and her husband, an accountant by profession, she started this farming business six years ago. Currently, Zhasmen keeps three cows and two calves. She milks cows and gets dairy products, which her husband sells in the local open markets. Realizing that selling the dairy products is profitable enough to cover the family's basic costs, Zhasmen would like to expand it
She has requested this loan to purchase a cow and a calf. This will enable her to gather more milk and milk products, the sales of which will significantly improve her income. The loan is very important for Zhasmen to enlarge her agricultural business and improve her family's life.

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
  • 162
    View loans »
    Armenia Loans Fundraising
  • $17,054,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Zhasmen to pay for a cow and a calf.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 11, 2013
Apr 24, 2013
Currency Exchange Loss:
Apr 18, 2015