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Haykaz is a young private entrepreneur from Vanadzor city of Lori region. He lives with his mother and brother. His mother and brother are employed in the private sector. All family members work hard to earn a living. To take care of his family, Haykaz runs a small local retail shop for shoes. It has already been about two years since Haykaz started his small business, which is an important source of income for the family.

To continue developing his small business, Haykaz needs to make some investments. A loan of USD 3,000 will help him greatly, enabling him to purchase a car. The latter will help him organize his business in a more efficient way. Haykaz and his family members will highly appreciate the lenders support, and will be thankful to them for helping them collect the needed loan to sustain their small business.

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
  • 175
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Haykaz to purchase a car.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 9, 2013
Nov 6, 2013
Currency Exchange Loss:
Jun 17, 2015