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Gayane has been involved in agriculture for 10 years. She owns a plot of land where she grows apricots, peaches, cherries, plums, nuts, apples and pears with great love and care. Gayane and her husband work hard to gather a good harvest and be able to cover the family's basic costs.

Since agriculture is the main source of Gayane's income, unfortunately it is very difficult for her to sustain the family of four, including her husband and her parents-in-law who are retired.

To be financially more secure and to ensure a stable income for her family, Gayane has requested a loan from SEF International. With the loan's help, Gayane will renovate her greenhouse and buy fertilizers.

The loan is very important to Gayane because it will enable her to renovate her greenhouse as well as cultivate different types of fruits and vegetables throughout the year.

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
  • 141
    View loans »
    Armenia Loans Fundraising
  • $15,809,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Gayane to pay for the renovation of her greenhouse and to buy fertilizers.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 16, 2013
May 1, 2013
Currency Exchange Loss:
Feb 20, 2015