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Arpine lives in Sisian with her husband and little kid. Arpine and her husband run a small farm. It includes cows, and also an arable land where emmer wheat and potato are cultivated. The couple works hard to be able to run the farm in sustainable way and gather good income for their living. Willing to improve conditions of the farm, Arpine has applied for this loan of USD 3000. It will enable her to purchase seeds, fertilizer and 4 more calves for her farm. As this is Arpine'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.
Let's help this hardworking young family to enlarge their farm and improve their living conditions.

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
  • 112
    View loans »
    Armenia Loans Fundraising
  • $16,727,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Arpine to pay for seeds, fertilizer and 4 calves.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 11, 2014
Mar 27, 2014
Currency Exchange Loss:
Aug 17, 2015