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Sarmen has been a farmer for the past 10 years and has developed his farm with hard work and favorable conditions. Sarmen lives with his wife and three children and works hard to sustain their living.

Sarmen's wife helps her husband with cattle breeding. She milks cows and uses the gathered milk in cheese production. Sarmen sells the gathered milk, meat and cheese to local resellers and earns an income.

Realizing that agriculture is very important for him, Sarmen has applied for this loan. With the loan's help, Sarmen will purchase 14 sheep and will increase his livestock. The loan is important for Sarmen to make his agricultural business profitable and ensure a better life for his 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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Sarmen to buy 14 sheep.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 8, 2013
Jun 1, 2013
Currency Exchange Loss:
Feb 17, 2016