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Karmen is a farmer from Tegh village of Syuniq region. She lives with her husband, 13-year-old daughter and 12-year-old son. To be able to meet the needs of her family, Karmen, with the help of her husband, is engaged in breeding a livestock of cows and hens, and in beekeeping. They realize the agricultural products and the honey in the local market. Agribusiness is the main source of income for the family. As life is getting more expensive day by day, Karmen needs to expand the agribusiness to be able to effectively meet the needs of her family. A loan of USD 1500 will greatly support this hard-working woman and her family, enabling her to purchase 15 sheep. Karmen and her family will be grateful to all the lenders for their good will and support in collecting the needed loan and helping them sustain 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
  • 139
    View loans »
    Armenia Loans Fundraising
  • $15,768,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Karmen to purchase 15 sheep.
72% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 30, 2013
Oct 28, 2013
Currency Exchange Loss: