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Ruzanna is an experienced farmer from the Verin Artashat village of the Ararat region. She lives with her son, daughter-in-law, and two-year-old grand-daughter. Ruzanna’s son works in the government sector and is currently the main breadwinner for the family. To assist her son in earning a living, Ruzanna is engaged in breeding a livestock of pigs and hens, and in the cultivation of peach, apricot, pears and grapes. The family realizes the agricultural products in the local market. They have a special refrigerator for fruits, where the fruits can remain fresh for a long time. They keep the fruits in the refrigerator and sell them in winter, when the prices of those fruits are much higher. To continue the agribusiness in a sustainable way and develop it further, Ruzanna needs a loan of USD 2,500 to purchase a piece of land which she can use for horticulture. She and her family will be grateful to all the lenders for their goodwill in helping them 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 Ruzanna to purchase a piece of land, which she can use for horticulture.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 21, 2013
Nov 2, 2013
Currency Exchange Loss:
Nov 17, 2015