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Vardan is a farmer from Noyakert village of Ararat region. He lives with his wife, and two school age sons (8 and 6 years old). Vardan is employed in the private sector and is the main breadwinner of the family. His salary, however, is not enough to provide a living.

For more than ten years, Vardan has been engaged in an agribusiness to be able to meet his family's needs. With the help of his wife he is involved in cattle breeding, in breeding hens, and in cultivation of wheat and onions. He sells the agricultural products in the local market, and this is the main source of income for the family.

To sustain his agribusiness, Vardan currently needs a loan of USD 3,000 to purchase forage for cattle, and to pay for harvesting services. Vardan and his family rely on the good will of the lenders and will be very thankful to them for their help in collecting the needed loan to maintain and develop their agribusiness.

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
  • 162
    View loans »
    Armenia Loans Fundraising
  • $17,086,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Vardan to purchase forage for cattle, and to pay for harvesting services.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 22, 2013
Dec 20, 2013
Currency Exchange Loss:
Feb 18, 2014