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Agines is from Lori region of Armenia. She trades in clothing in a small rented store. Agines's only son is a migrant worker in a neighboring country.
Agines lives alone and works hard to develop her business and gather more income so her son will be able to come back to his family.
The requested loan will be a great support for Agines to purchase new stock of clothing to sell to customers. She has been approved for a loan within the framework of a new joint initiative between Kiva and SEF International. The program provides start-up loans with soft conditions to informal businesses that do not have access to credit products.

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
  • 128
    View loans »
    Armenia Loans Fundraising
  • $16,765,225
    Funds lent in using Kiva
  • 412.8
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,950 helped Agines to pay for new stock of clothing to sell to customers.
95% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 22, 2014
Apr 30, 2014
Currency Exchange Loss: