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Nazik has been raising apricot, peach and pear trees for more than 10 years and supports her family with the profit from her farming. Nazik works hard to sustain her family of six: Nazik, her parents-in-law, her husband and her two children.

As the agricultural income is hardly enough to cover the family's daily costs, Nazik also works as a nurse and provides medical services to her co-villagers. With the earnings she gets, she manages to pay her household expenses. Nazik is requesting a loan so that she can buy the supplies she needs such as fertilizers, seeds, and other things. These will help Nazik to have a good harvest and obtain better profits to provide her family with better financial stability.The other part of the loan will be used for the renovation of the greenhouse. This is very important for Nazik to enlarge the cultivation of fruits and vegetables and gather more income.

Nazik is sure that this loan is a first step to her future success. She dreams of providing her children a beautiful life, a good education, food and clothing.

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
  • 102
    View loans »
    Armenia Loans Fundraising
  • $16,723,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Nazik to pay for seeds, fertilizer and renovation of her greenhouse.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 24, 2013
Jun 19, 2013
Currency Exchange Loss:
Apr 16, 2014