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A loan of $3,000 helped to purchase 25 beehives and the necessary materials for beekeeping (e.g., special medications and some wax).


Mikhail's story

Mikhail is a young agronomist from Kapan city of Syunik region. He lives with his elderly pensioner grandmother. Mikhail works in the private sector. He is employed by two companies, and works hard to be able to earn a living. He is also engaged in beekeeping, which is an important source of income.

Mikhail realizes the honey in the local market. As life is getting more expensive with time, Mikhail wants to expand his agribusiness to be able to effectively meet his family's needs. A loan of USD 3,000 will support this young hard-working man, enabling him to purchase 25 beehives and the necessary materials for beekeeping (e.g., special medications and some wax).

He has already taken a loan from a local financial institution before, but unfortunately, wasn't able to return it back. However, thanks to the hard work during the recent times, Mikhail was able to run his agribusiness in a sustainable way, ensuring that he will be able to cover the monthly payments. So, he has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF international. The second-chance loan program provides loans to people who have a bad credit history, and have no access to credit products. Mikhail and his grandmother will be thankful to all the lenders for their goodwill in helping them collect the needed loan.



Loan details


Lenders and lending teams




Loan details