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Zhanna is a young agronomist from the village of Nor Kyurin in the Ararat region. She lives with her parents and husband. The family is engaged in breeding cows and hens, and this is their only source of income. Their barn is in very poor condition and makes it difficult for them to work effectively. Also, things are getting more expensive day by day, and they need to enlarge their agribusiness to be able to cover their expenses. That is why Zhanna needs a loan of $3,000 to renovate her barn, buy more cows and pay for forage for her livestock. This is her’s first loan, and it has been approved within the framework of the new joint initiative of Kiva and SEF which provides loans to people who didn’t have access to credit before, because they have no credit history. Zhanna and her family will be very thankful to their lenders for their good will in helping them to maintain and develop their agribusiness.

Additional Information

More information about this loan

This loan is designed for clients who are considered to be riskier borrowers. SEF is committed to expanding financial access to these individuals, disbursing loans to clients who have no previous credit history, damaged credit, or who have been unable to get loans from other lending institutions.

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
  • 171
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Janna to renovate her barn, buy cows and pay for forage.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 21, 2013
Sep 28, 2013
Currency Exchange Loss:
Oct 28, 2013