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Taguhi is from Gyulagarak village of Lori region. She lives there with her husband and 30-year-old son. The family is engaged in agriculture. They rent a plot of land where wheat, potato, and grass is cultivated. Unfortunately because of financial difficulties, Taguhi and her family aren't able to purchase and have their own land. They gather the harvest, sell it in nearby markets and get money which is the only source of their income. Taguhi has now applied for this loan to be able to purchase more seeds and fertilizer. This will enable her to increase agricultural turnover and she will be able to save a little money for purchasing land.

As this is Taguhi's first loan it has been approved within the framework of the new joint initiative between Kiva and SEF. The first-chance loan program provides loans to people who didn't have access to credit products in the past because they have no credit history. Please help Taguhi and her family to increase their agribusiness and make their dream come true.

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
  • 139
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Taguhi to purchase fertilizer and seeds for cultivation.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 5, 2014
Feb 18, 2014
Currency Exchange Loss:
Jan 17, 2016