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Tamara is an experienced agronomist form Metsamor village of the Armavir region. She lives with her father-in-law, son, daughter-in-law, 9-year-old granddaughter and 1-year-old grandson.

With the help of her family members, Tamara is engaged in breeding livestock of piglets, and in cultivation of beans, cucumbers, tomatoes, eggplants, greens, peaches, apricots, grapes and apples. Her son sells the agricultural products in the local market.

Agribusiness is the only source of the family's income. To continue running her business in a sustainable way, Tamara needs a loan of USD 1,500 to purchase polyethylene for the greenhouse and to buy tomato seeds.

She 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 recent times, Tamara was able to run her agribusiness in a sustainable way, ensuring that she will be able to cover the monthly payments. So, she 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.

Tamara and her big family will be thankful to all the lenders for helping them to maintain their agribusiness.

Additional Information

More information about this loan

This loan is designed for clients who are considered to be riskier borrowers. SEF is committed to expanding financial access to these individuals, disbursing loans to clients who have no previous credit history, damaged credit, or who have been unable to get loans from other lending institutions.

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
  • 142
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Tamara to purchase polyethylene for the greenhouse, and to buy tomato seeds.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 6, 2013
Currency Exchange Loss:
Aug 17, 2015