A loan of $1,500 helped to prepare the vineyard for winter and to renovate the greenhouse.


Emma's story

Emma is an experienced agronomist from Baghramyan village in the Armavir region. She lives with her husband and two sons. Emma's eldest son is a contractual serviceman in the military service. For more than 15 years, Emma and her family members have been engaged in agribusiness. They breed livestock of pigs, piglets, and hens and cultivate apricot and grapes. Emma's husband and sons realize the agricultural products in the local market, which is the most important source of family's income. To run her agribusiness in a sustainable way, Emma needs a loan of USD 1,500 to prepare the vineyard for winter and to renovate the greenhouse. As this is Emma’s first loan, it has been approved within the framework of the new joint initiative of Kiva and SEF. The first-chance loan program provides loans to people who didn’t have access to credit products before, because they have no credit history. Emma and her family will be very thankful to the lenders for the good will and will highly appreciate their support.



Loan details


Lenders and lending teams




Loan details