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Manik is an experienced agronomist from the Goravan village in the Ararat region. She lives with her husband, daughter and son. Manik's husband and daughter work in the private sector. To be able to meet the needs of the family, Manik is engaged in cattle breeding and in the cultivation of tomatoes and several fruits (peaches, apricots, quince, and grapes). With the help of her son she sells the agricultural products in the local market.

Farming is a very important source of income for the family. Manik currently needs to make some investments in her agribusiness in order for it to function in a more efficient way. A loan of USD 1,550 will greatly support her business, enabling her to renovate the cattle barn and to purchase a calf. Manik and her family will highly appreciate the good will of the lenders and will be very thankful to them for helping her collect the needed loan to 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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,550 helped Manik to renovate the cattle barn and to purchase a calf.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Oct 3, 2013
Nov 6, 2013
Currency Exchange Loss:
Oct 17, 2015