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Svetlana is a mother of four children (two girls and two sons).
Together with her husband, she has been involved in cattle breeding for over 10 years. They own a big farm which includes a livestock (cows, calves, sheep and chickens). They also cultivate vegetables (wheat, potato) and grow different types of fruit trees (cherry, nut, apple and pear).
Their farm is successful enough and provides this family with stable monthly income.
Now, by applying for this loan of USD 2000, Svetlana would like to enlarge her livestock by three more cows and calves. This loan will help them to enlarge their agribusiness and Svetlana will be very thankful for the help.
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.

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
  • 138
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Svetlana to pay for 3 oxen and 3 calves.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Mar 14, 2014
Mar 28, 2014
Currency Exchange Loss:
Mar 20, 2016