A loan of $1,500 helped to pay for tools for the installation of heating systems and other interior work.


Armen's story

Since 2005 Armen has been providing construction services to locals. He installs heating systems and does other interior work for locals to earn his living. Armen also works at a local school as a teacher. This hardworking man is very kind to his customers and does his best, and with great pleasure. As a teacher's salary doesn't allow Armen to cover his needs, the main source of his income is from his construction business. Armen has applied for this loan so that he can purchase tools that will help him to provide the construction services better.

Armen has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF international. The start-up loan program provides business start-up loans with soft conditions to informal businesses that do not have access to credit products. The loan is important for him to improve his services and to gain more customers. Armen waits for your support.



Loan details


Lenders and lending teams




Loan details