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Mariam lives in Marmarashen village, in the region of Shirak. She is married and has an 11-year-old daughter, who is in the photo with her. Mariam doesn't work, apart from taking care of her daughter, but in order to tackle financial hardships, Mariam is engaged in agriculture. The family's livestock includes 4 cows and 50 chickens. They also own a plot of agricultural land, where wheat and potatoes are cultivated. Mariam's mother-in-law, who lives with them, helps her a lot with the agricultural work. She gives good advice on how to breed cattle and cultivate seeds.

Now, in order to enlarge her farm, Mariam is asking for a loan from SEF International. With the loan's help she will purchase two oxen, seeds and fertilizer. This will enable her to cultivate more types of fruits and vegetables and earn more income. Mariam waits for your support!

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
  • $17,075,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Mariam to enlarge her farm, by buying two oxen, seeds and fertilizer.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
May 31, 2013
Jul 1, 2013
Currency Exchange Loss:
Jul 17, 2015