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Tsovik is from Nshavan village of the Ararat region, where she lives with her husband and two children.

Jointly with her husband, Tsovik has been involved in land cultivation for 10 years already. She cultivates tomatoes as well as growing peach, apricot, plum, nut, apple and pear trees. She works hard to gather a good harvest, and her husband sells it locally. The sales of agricultural products are very important for this family because this is the main source of their income.

Having no financial means for covering cultivation costs, Tsovik has applied to SEF International for this loan. With the help of the loan, she will be able to purchase fertilizer and seeds for cultivation of the land. The loan is important for Tsovik to continue her business and to gather income, which is vital for sustaining the 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
  • 144
    View loans »
    Armenia Loans Fundraising
  • $16,809,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Tsovik to pay for fertilizer and seeds for cultivation of the land.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 23, 2013
May 12, 2013
Currency Exchange Loss:
Jan 17, 2015