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Gayane is from Metsamor village of Armavir region. She has been working as a director of a local kindergarden for many years and also keeps 100 colonies of bees. Gayane gets high quality honey and sells it locally. Due to her hard work, the honey that Gayane produces is in high demand in the region.
By applying for this loan she would like to increase by 10 the number of bee colonies.
The loan is important for her to enlarge her business and earn more income.
The loan will greatly support Gayane so she hopes for lenders' 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
  • 126
    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 $3,000 helped Gayane to pay for 10 colonies of bees.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jul 26, 2013
Aug 30, 2013
Currency Exchange Loss:
Dec 17, 2014