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Zaruhi is young farmer from the Yenoqavan village of the Tavush region. She lives with her husband, parents-in-law and 2-year-old daughter. Her whole family works hard to earn a living.

They are involved in cattle breeding, aviculture, and in the cultivation of haricot, cucumbers and potatoes. Her husband helps her realize the agricultural products in the local market, which is a very important source of income for them.

To continue running her agribusiness in a sustainable way, Zaruhi needs a loan of1,000 USD to renovate the barn and to purchase 5 piglets and forage for the livestock. She and her family highly rely on the goodwill of the lenders and will be thankful to them for the support in collecting the needed loan to maintain and develop their agribusiness.

As this is Zaruhi's first loan, it has been approved within the framework of the new joint initiative of Kiva and SEF. The first-chance loan program provides loans to people who didn’t have access to credit products before, 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
  • 172
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped Zaruhi to pay for 5 piglets and to buy forage for the livestock.
56% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 2, 2014
Jun 11, 2014
Currency Exchange Loss: