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Armenuhi is an experienced agronomist from Lusaghbyur village in the Lori region. She lives with her husband, daughter, and her elderly parents-in-law. She and her husband work in the military service. They are the only breadwinners of the family. Their salaries, however, are so low that they cannot afford a living based on those salaries. To be able to cover their daily needs, Armenuhi and her family are engaged in breeding cows, pigs, piglets, and hens, and in the cultivation of wheat, potatoes, apples and pears. They realize the agricultural products in the local market. To continue running her agribusiness and to sustain it, Armenuhi needs a loan of USD 2,500 to purchase barley seeds, to buy some fertilizers, to purchase some forage (grass and barley) for the livestock, and to make previous credit repayments. Armenuhi and her family rely on the good will of the lenders and will be very grateful 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
  • 164
    View loans »
    Armenia Loans Fundraising
  • $17,054,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Armenuhi to purchase barley seeds, fertilizers, and forage and to make previous credit repayments.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 16, 2013
Nov 4, 2013
Currency Exchange Loss:
May 17, 2015