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Alvard and her husband have been involved in cattle breeding for 15 years. They keep cows, calves and a pig. Alvard uses the gathered milk in cheese production and her husband sells it locally. In the village where they live, Alvard and her husband also own a plot of agricultural land where they cultivate greens for feeding the animals.

Their only stable income that helps them to cover their daily costs comes from a retirement pension and their agricultural business. They have a daughter who is 24 years old and helps her parents however she can.

By requesting this loan, Alvard would like to increase her livestock with one more cow, which will help her to get more cheese and a higher income. This is very important for Alvard and her family to be able to improve their living conditions.

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
  • 134
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Alvard to pay for a cow.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jul 16, 2013
Aug 8, 2013
Currency Exchange Loss:
Oct 17, 2014