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Artem is a farmer from Akner village of Syuniq region. He lives with his wife and four children (two school age daughters – 10 and 9 years old, and two little sons – 6 and 4 years old). For more than seven years, Artem has been extensively engaged in an agribusiness. He is involved in cattle-breeding and sells the agricultural products in the local market. Artem's wife assists him in his daily activities related to farming. The agribusiness is the main source of income for the family.

To be able to effectively meet the increasing needs of his big family, Artem wants to expand his agribusiness a little bit. He needs a loan of USD 3,000 to purchase three cows. Artem and his family highly rely on the good-will of the lenders and will be thankful to them for their help in collecting the needed loan.

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
  • 129
    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 $3,000 helped Artem to purchase three cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Dec 20, 2013
Currency Exchange Loss:
Dec 17, 2015