A loan of $1,100 helped to pay for watermelon and tomato seeds, fertilizer and hire workers for land cultivation.


Karine's story

Karine is a hardworking woman from Miasnikyan village. She lives with her husband and two sons.
Karine's elder son drives a taxi and the other one attends local village school.
Karine and her husband are farmers. They keep 3 cows and cultivate different types of vegetables (tomato, cucumber pepper and watermelon). The gathered harvest they sell in local open markets and earn income for family’s living. This requested loan will be a big support for their farm. Karine asks that to be able to purchase watermelon and tomato seeds, fertilizer and also hire workers for organizing cultivation process.
As this is her 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.



Loan details


Lenders and lending teams




Loan details