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Aida is from Ashotavan village of Syuniq region. She lives with her husband and has been involved in agriculture. They own a big farm which includes livestock of chickens, beehives, pig, sheep, and cows. They also own arable land where they cultivate different types of fruits and vegetables. Aida doesn't work and her husband has retirement pension so the only source of family's income comes from agriculture. For improving her farm and feeding the livestock during the winter season Aida needs financial support. As this is Aida's first loan, it has been approved within the framework of the new joint initiative of Kiva and SEF. The first-chance loan program provides loans to people who didn’t have access to credit products before, because they have no credit history. Aida and her husband highly rely on the goodwill of the lenders and will be very thankful to them for their support.

Additional Information

More information about this loan

This loan is designed for clients who are considered to be riskier borrowers. SEF is committed to expanding financial access to these individuals, disbursing loans to clients who have no previous credit history, damaged credit, or who have been unable to get loans from other lending institutions.

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
  • 171
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Aida to pay for forage for feeding the livestock.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 11, 2013
Jan 10, 2014
Currency Exchange Loss:
Jan 17, 2016