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Emma lives in Akhuryan village of Shirak region, which was affected by the devastating earthquake in 1988. People of Shirak region have been largely affected by the earthquake and most are still struggling to survive. Locals here are mostly involved in cattle breeding and some land cultivation.
Emma lives with her son and daughter and is involved in land cultivation. She cultivates wheat and potatoes and sells the gathered harvest locally.
As agriculture is the main source of Emma's income, she would like to expand her business.
She has applied to SEF International for the loan to purchase two tonnes of potatoes for selling. She plans to keep it and sell during the winter at good prices.
The loan is important for Emma to gather income and be able to provide better life for her 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
  • 138
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Emma to pay for two tonnes of potatoes for selling.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 1, 2013
Currency Exchange Loss:
Jul 17, 2014