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Marieta lives with her husband and son in Kapan town. The family is involved in the retail business. They started selling fruits and vegetables in a small garage near their house. This business is the only source of income for this family, so it is very important to them.

Marieta has now requested this loan to be able to purchase new stock of fruits and vegetables for selling to locals in Kapan town. 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.

The loan is very important for Marieta to continue their family business.

Additional Information

More information about this loan

This loan is part of SEF's startup pilot project to benefit borrowers working in Armenia's non-formal business sector. By providing working capital to artists, auto mechanics, bakers, furniture makers, construction workers and other informal entrepreneurs, SEF aims to help them formalize their businesses, increase their incomes, and build brighter futures.

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.


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About Armenia

  • $6,300
    Average annual income
  • 128
    View loans »
    Armenia Loans Fundraising
  • $16,765,225
    Funds lent in using Kiva
  • 413.4
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,425 helped Marieta to pay for new stock of fruits and vegetables for reselling.
90% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 20, 2014
May 31, 2014
Currency Exchange Loss: