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Hovhannes is an experienced farmer from Dalarik village in the Armavir region. He lives with his wife and son. He works for a private construction company. However, his salary alone is not enough to meet the needs of the family.

With the help of his family members, Hovhannes breeds calves and pigs, and cultivates sunflowers, grass, and apricots. They sell the agricultural products in the local market, which is an important source of income for the family. To be able to effectively meet the increasing needs of his family, Hovhannes wants to expand his agribusiness. A loan of 3,000 USD will be a great support to this hard-working man and his family, enabling them to purchase five steers, fertilizer, and forage for the livestock.

Hovhannes and his family members rely on the goodwill of the lenders and will be grateful to them for supporting the loan needed to maintain and develop their agribusiness.

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
  • 139
    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 $3,000 helped Hovhannes to purchase five steers, fertilizer, and forage for the livestock.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 29, 2013
Nov 10, 2013
Currency Exchange Loss:
Apr 18, 2015