A loan of $3,000 helped to buy a cow, fertilizer and tractor fuel and to pay for water and a farm workforce.


Ani's story

Ani is from the village of Avshar in the Ararat region. Her family consists of her husband, her school-age daughter (7 years old) and her small son (four years old). Ani works in the kindergarten as an educator. She and her husband try to earn a living for their family. However, the low salaries are not enough to meet the basic needs of their family.

Ani and her husband are involved in horticulture as well. This is an important source of income for them. They grow peaches, apricots and apples. Ani's husband helps her to sell the fruit in the local market. As life gets more expensive day by day, Ani wants to find new sources of income.

A loan of $3,000 USD will help her to buy a cow, fertilizer and tractor fuel. It will also help to pay for the water bills and to pay for the workforce to be able to continue the growing and the harvesting of the fruit.

As this is Ani's first loan, it has been approved within the framework of the new joint initiative of Kiva and SEF. The first-chance loan program provides loans to people who have not had access to credit products before because they have no credit history. Ani and her family depend on the goodwill of the lenders and are very thankful to them.



Loan details


Lenders and lending teams



Loan details