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Haykanush is from the Arapi village in the Shirak region where she lives with her husband, mother-in-law, and 11-year-old son.

In the Winter season, Haykanush's husband goes abroad and supports his family financially, but their farming business helps them to have stable income during the month and cover their daily costs.

Their farm currently includes three cows and two pigs. They also cultivate barley and potato and grow apple and pear trees with great love and care. The gathered harvest is sold locally, and this helps the family to sustain their living.

As it is very difficult for Haykanush to save money for the expansion of the farm (all their income is spent on covering basic costs), she has applied to SEF International for a loan. With the loan's help Haykanush will purchase potato and lucerne seeds and will be able to gather more harvest.

The expansion of the farm is vital for Haykanush to sustain her family and ensure better future for her son.

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
  • 136
    View loans »
    Armenia Loans Fundraising
  • $15,799,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Haykanush to pay for potato and lucerne (alfalfa) seeds.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 19, 2013
Currency Exchange Loss:
May 17, 2015