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Sirvard is from Surenavan village of Ararat region where she lives with her son and his family. Sirvard has been running a farm for many years. In particular she cultivates tomatoes and grows different types of fruit trees (apricot, peach, and apple). Over time, she has become famous in her area for providing good-quality products. She has a good client list and makes enough to contribute to her family's income. Sirvard has a two-year-old grandchild (in the photo) and is very motivated to provide him a beautiful life, food and clothing.

In order to continue running her farm, Sirvard needs to purchase seeds and fertilizer, which is very important for successful cultivation of the land. For this purpose, Sirvard has requested this loan. The other part of the loan will be used for covering watering costs. The loan is very important for Sirvard to gather more income and improve her 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
  • 160
    View loans »
    Armenia Loans Fundraising
  • $17,086,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped Sirvard to pay for seeds and fertilizer and cover watering costs.
96% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 30, 2013
Jun 20, 2013
Currency Exchange Loss: