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Lyudmila is a mother of two little kids ages 2 and 3 years old.
Together with her husband Lyudmila runs a small farm. They keep three cows, 4 oxen and cultivate wheat and grass. They are very enthusiastic about willing to improve family’s social condition.
Lyudmila applied for this loan of USD 3000 to be able to enrich her livestock by 7 more oxe. As this is Lyudmila'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.
The loan is important for Lyudmila and she will hope for lenders' support.

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Lyudmila to pay for 7 oxen.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 26, 2014
Mar 27, 2014
Currency Exchange Loss:
Mar 20, 2016