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Ramela is from the Khot village in the Syunik region, where she lives with her son, daughter-in-law and 3 grandchildren. Ramela is a teacher with 20 years of teaching experience at a local school. However, in order to tackle the family's financial problems she got involved in agriculture 6 years ago. Now she owns a small but beautiful farm where she keeps 2 cows and 2 piglets.

She has realized that breeding cattle is more profitable and that she can solve her family's living problems. She has requested this loan to purchase 5 calves. This will enable her to get milk, use it in cheese production and gather more income. Among numerous maintenance problems in her life, Ramela wants to solve the one that is the most urgent now -- she wants to repair the house and improve her family's living conditions.

Ramela 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
  • 136
    View loans »
    Armenia Loans Fundraising
  • $15,799,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Ramela to pay for 5 calves.
81% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jul 3, 2013
Currency Exchange Loss: