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Kristine is from the village of Taperakan in the Ararat region. She lives with her husband and mother-in-law. She works in the local village school as a teacher. Her husband works in the government sector. The two of them work hard to earn a living for the family. Kristine is engaged in agriculture and in viticulture. It’s more than ten years since the family first started cultivating grapes. They have an established agribusiness and realize their products in the local market. Kristine’s husband helps her greatly concerning the organizational issues of the agribusiness.

As the autumn is progressing they need to prepare their vineyard for the cold weather. The procedure requires financial investment. Kristine needs a loan of USD 2,500 to purchase cable and pipes, to pay for the workforce and for the water bills. The preparation will make the viticulture more productive and help them sustain their agribusiness. Kristine and her family rely heavily on the good will of the lenders and will be thankful to them for their support.

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
  • 163
    View loans »
    Armenia Loans Fundraising
  • $17,083,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Kristine to purchase cable and pipes and pay for the workforce and the water bills to prepare her vineyard for the Autumn.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 23, 2013
Nov 3, 2013
Currency Exchange Loss:
Jun 17, 2015