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Varduhi has been involved in agriculture for 10 years. She keeps livestock (2 cows, 4 bulls), cultivates tomatoes, and grows peach and apricot trees. She works hard to gather a good harvest and sell it locally. Varduhi milks cows, uses the milk in cheese production, and sells the cheese. Her agricultural business helps her to sustain her family: herself, her husband, and three children. The farming business is her family's only source of income, so Varduhi does her best to earn a high income to cover the family's costs.

She has applied to SEF International for a loan to purchase fertilizer, which is very important for successful land cultivation, and to buy forage for feeding the livestock. The loan is very important for Varduhi and her family to enlarge their farming business and 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
  • 168
    View loans »
    Armenia Loans Fundraising
  • $17,075,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Varduhi to pay for fertilizer and forage for feeding the livestock.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 6, 2013
May 23, 2013
Currency Exchange Loss:
Nov 17, 2015