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Focus area

Barriers to subsidized agricultural and housing loans Standard

First analysis period

Model-generated

Farmers and young families face severe barriers in accessing state-subsidized credit programs. Banks are rejecting agricultural loans due to a lack of prior high-value credit history, demanding excessive collateral, or delaying disbursements past critical planting windows. Young families are blocked from mortgages due to high down payments, strict formal income requirements (e.g., 300,000 AMD in Sevan), or minor credit delays (e.g., 7 AMD).

Affected groups

Farmers, livestock owners, and young families in regional areas

Geography

Sevan, Ashotsk, Geghadzor, Kotayk

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