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Karine is from Hnaberd village in the Ararat region. She lives with her husband and 18-year-old son and, jointly with them, is involved in agriculture.

They keep a cow, six chickens, cultivate corn and grow peach and apricot trees. The family milks the cow to make dairy products. Karine's husband and son take the dairy products and harvest to the market and sell it locally.

As the agricultural business helps the family to have a stable income and cover its basic costs, Karine would like to enlarge it. She has requested a loan from SEF International to purchase piglets. She plans to raise and sell them.

The loan is very important for Karine to be able to increase her agricultural income and ensure a better life for her family.

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
  • 173
    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 $1,000 helped Karine to pay for piglets.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 18, 2013
May 1, 2013
Currency Exchange Loss:
May 17, 2016