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Qnqush lives in the Ani Kayaran village of Shirak region. She lives there with her husband and their 23-year-old son.

The family has been involved in husbandry keeping for many years. They currently own cows, calves, and chickens. Near the house where they live, Qnqush also cultivates barley. They gather milk and meat that Qnqush's husband sells locally, so he can earn income for the family.

Because of hard financial times, the family hasn't been able to save money and expand the farm. Therefore Qnqush has applied for this loan.

She will be very grateful to lenders if they support her to purchase piglets, an ox, and forage for feeding the livestock. This will enable her to enlarge the farm that they run, and the whole family will be very grateful to lenders.

As this is Qnqush'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.

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
  • 161
    View loans »
    Armenia Loans Fundraising
  • $17,086,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Qnqush to pay for piglets, an ox, and forage for the livestock.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 4, 2014
Mar 1, 2014
Currency Exchange Loss:
Dec 17, 2015