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Marine lives in Brnakot village with her husband, son and daughter. Marine works at a local factory as a milkmaid, and her husband and son are herdsmen.

The family also runs their own farm, which includes cows, calves and chickens, and cultivates wheat, barley and potatoes. The gathered harvest they sell in the local markets to earn income for a living.

The requested loan of USD $2,600 will be a great support for Marine to pay for forage for feeding the livestock.

This hardworking family hopes for Kiva lenders' support and goodwill.

As this is Marine'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
  • 175
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $2,600 helped Marine to pay for forage for feeding the livestock.
86% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 25, 2014
Aug 10, 2014
Currency Exchange Loss: