A loan of $1,125 helped to pay for new stock of walnuts, hazelnuts and almonds for reselling to customers.


Azat's story

Azat rents a small place in Gyumri's city market where he trades in walnuts, hazelnuts and almonds. Due to Azat's hard work and kind attitude toward people, he was able to gain many clients.

He lives together with his wife and two little children. As the only breadwinner of the family, Azat realizes the importance of this retail business for the family’s living. He has now applied for this loan to be able to purchase new stock of walnuts, hazelnuts and almonds for reselling to his customers.

Azat has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF International. The start-up loan program provides business start-up loans with soft conditions to informal businesses that do not have access to credit products.

Azat will be very grateful to his lenders for support and goodwill.



Loan details


Lenders and lending teams




Loan details