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Anna lives in Tsater villager in Lori region. She lives alone as her only son have to leave to go abroad for work. Anna runs a farm. She breeds cattle and cultivates land. The gathered agricultural products (milk, meat, cheese) Anna sells to local wholesalers and gathers income for her living.
Anna has now applied for this loan of USD 2000 to be able to enlarge her farm. She plans to purchase 2 calves, 4 piglets, forage for the livestock and potato seeds for cultivation. She hopes that lenders will support her farm and help her to enlarge it further.
This is Anna's second loan. She has taken a loan from local financial institutions before, but because of very difficult financial conditions, wasn't able to pay it back on time. Now, by ensuring that her agribusiness is successful and she is able to provide monthly payments for this loan, Anna has been approved for this loan. She has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF international. The second chance loan program provides loans to people who have a bad credit history and have no access to credit products.

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
  • 113
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $2,000 helped Anna to pay for 2 calves, 4 piglets, forage for the livestock and potato seeds for cultivation.
94% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 12, 2014
Mar 27, 2014
Currency Exchange Loss: