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Emma is from Haykavan village, of the Shirak region. She lives with her husband and two sons. One of her sons now serves in the army.

Together with her husband, Emma keeps ten cows and cultivates potatoes, which they sell locally. This agricultural income is very important for Emma and her husband to sustain their living.

So, Emma has applied for this loan to enlarge her agricultural activity. The loan will help her to purchase fertilizer, potato seeds, and two calves. This will enable Emma to cultivate more potatoes and gather more income.

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Emma to pay for fertilizer, potato seeds, and two calves.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 4, 2013
May 1, 2013
Currency Exchange Loss:
May 17, 2015