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Iskuhi is an agronomist from Jrahovit village in the Ararat region. She lives with her husband, son and daughter-in-law. To take care of her family's needs, Iskuhi has been engaged in agribusiness for more than 15 years. With the help of her family members she cultivates tomatoes, eggplants, peppers and greens. Her husband and son sell the agricultural products in the local market, which is the main source of the family's income.

As the family's needs are increasing day by day, Iskuhi wants to enlarge her agribusiness in order to be able to more effectively meet the family's expenses. A loan of $1,300 will be a great support to this hard-working woman and her family, enabling her to purchase two cows. As this is Iskuhi’s first loan, it has been approved within the framework of the new joint initiative between 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.

She and her family will be very thankful to all the lenders for their good will and support in collecting the needed loan to sustain 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
  • 132
    View loans »
    Armenia Loans Fundraising
  • $16,765,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Iskuhi to purchase two cows.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Oct 16, 2013
Nov 12, 2013
Currency Exchange Loss:
Apr 18, 2015