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Hovhannes is an experienced agronomist from the village Tsaghkasar in the Aragatsotn region. He is also the head of the village self-governance body. He lives with his wife and two school-aged sons. To cover his family's daily expenses, Hovhannes is engaged in breeding cows, sheep, and hens. He also cultivates barley. Farming is the most important source of income for the family. Hovhannes's wife helps him greatly in his everyday activities related to farming. As life is getting more expensive with time, Hovhannes needs to slightly increase his number of livestock to be able to meet the increasing needs of his family more effectively. A loan of 2500 USD will be a huge support to Hovhannes and his family, enabling them to purchase two cows and some forage for the livestock. The family will be very thankful to all the lenders for their good will and support in collecting the needed amount for the loan to develop their agribusiness.

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
  • 169
    View loans »
    Armenia Loans Fundraising
  • $17,105,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Hovhannes to purchase two cows and some forage for the livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 10, 2013
Oct 15, 2013
Currency Exchange Loss:
May 17, 2014