A loan of $1,225 helped to pay for tools and materials for providing hairdressing services.


Amalya's story

Amalya lives in Kapan with her husband. She is hairdresser with five years of experience working at a local beauty salon.

Amalya is a very hard-working and talented woman who has a number of loyal clients. She has applied for this loan to be able to purchase tools and materials needed for her work as a hairdresser.

She has been approved for a loan within the framework of a new joint initiative between Kiva and SEF International. The start-up loan program provides business start-up loans, with soft conditions, to informal businesses that do not have access to credit products.



Loan details


Lenders and lending teams



Loan details