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Gayane lives with her husband and two, school-age children in the village of Shaqe in the region of Syuniq. Due to severe climate in the region, people in this area are mostly involved in animal husbandry and land cultivation. Gayane is as well. Her husband is an army officer and is rarely at home. So, Gayane has to take care of the children and household alone. She keeps cows, sheep, and chickens and cultivates wheat, emmer wheat (farro), potato, and grass as forage for the livestock. In the small orchard that Gayane owns, she also grows nut, apple, and pear trees.

Now, this hardworking woman asks for financial support to improve her cultivation process. The loan of 1,500 USD will enable her to purchase wheat and emmer wheat (farro) seeds, fuel, and fertilizer, which will help her to improve her cultivation process. She will wait for support from lenders.

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
  • 142
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Gayane to pay for wheat and emmer wheat seeds, fuel, and fertilizer for land cultivation.
57% repaid
Repayment Term
39 months (Additional Information)
Repayment Schedule
Feb 19, 2014
Mar 2, 2014
Currency Exchange Loss: