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Naira is from Tegh village of Syuniq region. She lives with her husband, son, daughter and father-in-law. She works as a librarian in the village's local school. With the help of her family members, Naira is also engaged in cattle breeding, in aviculture and in the cultivation of wheat and grass. They sell the agricultural products in the local market. Agribusiness is the most important source of income for them.

As the family's needs are growing with time, Naira needs to expand her agribusiness in order to take care of her family's needs more effectively. A loan of $3,000 will help her reach that goal, enabling her to purchase three cows. Naira and her family members rely on the goodwill of the lenders and will be very grateful to them for helping them collect the needed amount of 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
  • 138
    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 $3,000 helped Naira to purchase three cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 8, 2013
Nov 3, 2013
Currency Exchange Loss:
Nov 17, 2015