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Armine has been involved in agriculture for 10 years. She cultivates tomatoes and grows peach, apricot and plum trees. Armine sells the gathered harvest in the local market and receives income which is vital for her in sustaining her family of five: Armine herself, her husband, and three children.

Unfortunately, Armine has no financial means for expanding her farm, so she has applied for the loan from SEF International. The loan will enable her to purchase fertilizer and cover cultivation costs. As the harvesting season has already started, it is very important for Armine to cover cultivation costs and gather more of the harvest.

Armine works hard to ensure a better life for her family and to improve their living conditions.

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
  • 175
    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 $3,000 helped Armine to pay for fertilizer and cover cultivation costs.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 19, 2013
Currency Exchange Loss:
May 17, 2015