A loan of $1,475 helped to pay for an oven and materials for making bread.


Zhanna's story

Zhanna lives in Vayots Dzor with her son. Zhanna's husband is currently working as a laborer outside of the country and tries to support his family financially. Zhanna herself has been working at a bakery. She makes Armenian bread and sells it locally. Zhanna is a very hardworking woman and the income that she gathers from bread making is very important for her family's living. Zhanna has applied for this loan to be able to purchase an oven and materials for making bread. 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 Zhanna and she hopes for lenders' support.



Loan details


Lenders and lending teams




Loan details