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Naira is an experienced agronomist from the village of Araqs in the Armavir region. She lives with her husband and 4-year-old son. To take care of her family, Naira is engaged in the cultivation of wheat and greens. With the help of her husband, she sells the agricultural products in the local market, which is the main source of the family’s income. As the family’s needs are increasing with time, Naira is thinking of expanding her agribusiness to be able to make ends meet. She currently cultivates greens in the greenhouse and wants to start cultivation of different plants in the greenhouse. For that reason she wants to build a new greenhouse. To reach that goal Naira needs to make some investments. She needs a loan of 3,000 USD to purchase necessary materials (cellophane, bottles) for greenhouse construction, to buy fertilizers, and to purchase cucumber seeds. Naira and her family rely on the goodwill of the lenders and will appreciate their support in collecting the needed loan amount to sustain 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
  • 163
    View loans »
    Armenia Loans Fundraising
  • $17,083,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Naira to purchase necessary materials (cellophane, bottles) for greenhouse construction, fertilizers, and cucumber seeds.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Jan 17, 2014
Currency Exchange Loss:
Dec 17, 2014