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Svetik is from Tegh village of Syuniq region. She lives with her husband, son, and daughter. She works at the village local school as a teacher. Her salary, however, is not enough to meet the basic needs of her family. With the help of her family members Svetik is extensively engaged in agribusiness, which is the most important source of her family's income. For more than 17 years, Svetik has been involved in cattle breeding, in aviculture, in breeding a livestock of sheep, in beekeeping, and in cultivation of wheat and grass. They sell the agricultural products in the local market. As it becomes harder to earn a living over time, Svetik wants to expand her agribusiness in order to more effectively meet the daily costs of her family. A loan of USD 3000 will be a great support to this hard-working woman and her family, enabling her to purchase 28 sheep. Svetik and her family rely on the goodwill of the lenders and will highly appreciate their support.

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
  • 138
    View loans »
    Armenia Loans Fundraising
  • $15,757,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Svetik to purchase 28 sheep.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 11, 2013
Nov 30, 2013
Currency Exchange Loss:
Oct 17, 2015