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Roza is engaged in farming and animal husbandry to earn an income. She lives in the village of Gandzaqar in the Tavush region with her husband, her mother, two sons, and two daughters. Another son of Roza lives in Russian Federation and tries hard to support his family financially. Moreover, two of their children are teenagers, and Roza's mother is an 86-year-old pensioner, so only three family members are fully engaged in agricultural activities.

Roza and her husband have been engaged in farming and animal husbandry for many years. They cultivate potatoes and corn, breed cattle and hens, and keep 30 bee colonies.

With a very good credit history, Roza has now applied for a loan of USD 1,300. The requested amount will be used to purchase a UAZ vehicle, which will be used to improve the farm's overall effectiveness.

This large family tries really hard to make ends meet. Let's support them in sustaining their agribusiness and growing it further. They heartily appreciate any kind of help their lenders may offer.

Additional Information

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
  • 138
    View loans »
    Armenia Loans Fundraising
  • $15,757,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Roza to purchase agricultural machinery in the form of a UAZ vehicle.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 4, 2014
Jul 6, 2014
Currency Exchange Loss:
Jun 17, 2015