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Hayk is from Geghasar village, where he lives with his parents (in the photo), his wife and two little children, 7 and 3 years old (in the photo). Near the village where Hayk and his family live, he owns a plot of agricultural land, where he cultivates different types of fruits and vegetables. Hayk has been also been involved in breeding cattle for many years. As the only breadwinner in the family, Hayk feels very responsible for earning a good income to cover his family's basic costs. This hardworking man with a good credit history behind him is asking for financial support. He needs US$3,000 to buy potato, wheat and barley seeds and to enlarge his cultivation activities. Hayk will be able to sell his harvest in the market and earn more income. This is the reason why he has applied for this loan. The loan is important for Hayk, as agriculture is the only source of his income, and he hopes for the lenders' support.

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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
  • 111
    View loans »
    Armenia Loans Fundraising
  • $16,727,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Hayk to pay for potato, wheat and barley seeds.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Sep 30, 2013
Nov 5, 2013
Currency Exchange Loss:
Oct 17, 2014