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Varduhi lives in Ararat town with her husband and two daughters. She is a teacher with many years of experience teaching at a local school. Besides her work at school, Varduhi also runs a farm. She cultivates tomatoes and peppers and sells the gathered harvest in the local open markets.

Varduhi is very enthusiastic about developing her farm so she has applied for this loan. The loan of USD 3000 will help her to purchase two oxen, fertilizer, and hire workforce for land cultivation.

Additional income would greatly assist the family so Varduhi will be very grateful to lenders for their support.

Additional Information

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
  • $15,757,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Varduhi to pay for two oxen, fertilizer, and pay for workforce for land cultivation.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 27, 2014
Apr 25, 2014
Currency Exchange Loss:
Apr 18, 2015