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Hamest is an experienced farmer from Sipanik village of the Ararat region. She lives with her husband and son; they work in a car maintenance service, and they are the main breadwinners of the family. Their salaries, however, are not enough to fully meet the family’s needs.

To help her family members in earning a living, Hamest in engaged in cattle breeding, and in cultivation of grass. She sells the agricultural products in the local market, which is an important source of income for the family.

As the autumn is progressing, Hamest needs to make some investments in her agribusiness for it to function in a sustainable way.

She needs a loan of USD 850 to purchase a calf and to buy some forage for cattle.

As this is Hamest’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.

Hamest and her family rely on the goodwill of the lenders, and will be very thankful to them for their support.

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
  • 168
    View loans »
    Armenia Loans Fundraising
  • $17,071,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $850 helped Hamest to purchase a calf and to buy some forage for cattle.
81% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Oct 29, 2013
Nov 12, 2013
Currency Exchange Loss: