A loan of $3,000 helped to buy more stock.


Amalya's story

Amalya lives in Lusakert village, in the Shirak region. She lives there with her husband and three teenage children. The family owns a retail store where they sell various food products. Amalya's husband also works as a teacher at the local secondary school. Amalya now wants to expand her family's business a little bit. She has applied for a loan of 3,000 USD to purchase more food items to stock her store. As this is Amalya'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 did not have access to credit products in the past because they have no credit history.



Loan details


Lenders and lending teams




Loan details