A loan of $2,000 helped to pay for wires for renovation of the orchard and cover irigation costs.


Karine's story

Karine is young agronomist from Artashat town. She lives there with her husband and 4-years-old daughter.
Together with her husband, Karine has been involved in agriculture for 5 years.
Specifically they grow apricot trees and run a grape orchard. Karine also works at a local grocery store as a cashier to earn income for her family. The requested loan of USD 2000 will be a great support for Karine to purchase wires for renovation of the orchard and cover irrigation costs.
Karine has already taken a loan from a local financial institution before, but unfortunately wasn't able to repay it. However, thanks to the hard work recently, Karine was able to run her agribusiness in a sustainable way, ensuring that she will be able to cover the monthly payments. So, she has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF international. The second-chance loan program provides loans to people who have a bad credit history and have no access to credit products. Karine and her husband will be thankful to all the lenders for helping them to maintain their agribusiness.



Loan details


Lenders and lending teams



Loan details