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Radik is a teacher with 10 years of experience teaching at a local school. In order to tackle financial hardships, Radik is also engaged in agriculture. He runs a farm which includes three cows and 10 calves. He also cultivates potatoes and haricots. Farming helps him earn a stable income, so Radik works hard to make a profit and support his family of five, including his wife, his mother and two children, all pictured in the photo.
By applying for this loan Radik wants to purchase six calves and forage for feeding them. He wants to raise the calves, fatten them and sell them at a profit. This will significantly increase Radik's income and will help ensure appropriate living conditions 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
  • 168
    View loans »
    Armenia Loans Fundraising
  • $17,105,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Radik to buy six calves and forage for feeding them.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 6, 2013
Jul 1, 2013
Currency Exchange Loss:
Dec 17, 2014