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Andranik lives with her wife and son in the small village Chiva of Vayots Dzor region. He is a teacher with many years of experience teaching at a local school. As a teacher's salary is hardly enough for covering the family's basic needs, Andranik started his agricultural business three years ago. Currently, he keeps on his farm two cows, two calves and 18 chickens.

Andranik also owns agricultural land, where he grows apple, peach, nut, apricot and pear trees. Andranik's wife helps him with running the farm. She milks cows, uses the milk in cheese production and Andranik sells these agricultural products locally. Realizing that income from farming is very important for sustaining the family, Andranik would like to enlarge it. So Andranik has applied for this loan to increase his livestock with one more calf. This will help him to gather more milk and increase the sales of agricultural products. Andranik 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
  • 137
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Andranik to pay for a calf.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 28, 2013
Jul 7, 2013
Currency Exchange Loss:
Jun 17, 2014