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Karine rents a small store in one of the big markets of Gyumri town. She trades there with different types of household goods (toys, home supplies, etc.)

She is very kind and careful towards her clients and during these years of her work was able to gather a good client base. Karine has now applied for this loan of $3,000 to be able to purchase new supplies to sell in the store.

Karine will be very grateful if lenders help her with this loan and support her small business.

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
  • 167
    View loans »
    Armenia Loans Fundraising
  • $17,105,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Karine to pay for supplies (toys, home supplies) to sell in the store.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Feb 24, 2014
Mar 22, 2014
Currency Exchange Loss:
Apr 17, 2016