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Liana and her husband are farmers. They keep a greenhouse where they cultivate sunflowers. Near the greenhouse Liana and her husband also keep a grape yard. Agribusiness is the only source of income for this family and it helps to cover daily costs.

Besides her husband, Liana's family also includes their three children and her parents-in-law.

The requested loan of USD 700 is very important for them. They plan to purchase fertilizer and seeds and hire workers for land cultivation. As this is Liana's first loan, it has been approved within the framework of the new joint initiative between Kiva and SEF. The first-chance loan program provides loans to people who didn’t have access to credit products in the past because they have no credit history.

Additional Information

More information about this loan

This loan is designed for clients who are considered to be riskier borrowers. SEF is committed to expanding financial access to these individuals, disbursing loans to clients who have no previous credit history, damaged credit, or who have been unable to get loans from other lending institutions.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Liana to pay for fertilizer and seeds and to hire workers for land cultivation.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 15, 2014
Jun 4, 2014
Currency Exchange Loss:
Dec 17, 2015