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Karine lives in Dashtavan village of the Ararat region. She is an agronomist with 10 years of experience running a farm. Karine lives with her husband and 25-year-old son, who help her with the farm. Specifically, the family owns two pigs and a greenhouse, where different types of greens are cultivated.

Karine has now applied for this loan because she needs financial support. The greenhouse that she owns is too old and needs to be renovated. Because of the family's basic costs, Karine isn't able to renovate it. That's the reason she decided to ask for help. Karine will be very grateful to Kiva lenders for their trust and support, and, with the loan's help, she will be able to renovate the greenhouse and increase cultivation.

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
  • 132
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,300 helped Karine to pay for renovation of the greenhouse.
75% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Jan 17, 2014
Currency Exchange Loss: