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Anik has been involved in agriculture for 16 years. She raised her two sons alone and has worked really hard to sustain them. Her farm currently includes 40 chickens, and in the orchard she owns, different types of trees grow such as apricot, cherry, nut, and apple. Anik sells the gathered harvest locally and earns income, which is very important for sustaining the family.

With the requested loan, Anik plans to purchase 6 oxen and more chickens. She wants to fatten the oxen, and then sell them for a better price. The loan is very important to Anik in order to expand the agricultural business and ensure better living conditions for herself and her sons.

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
  • 171
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Anik to pay for 6 oxen and more chickens.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 3, 2013
Jun 24, 2013
Currency Exchange Loss:
Jul 17, 2015