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Hayk is 49-year-old father of 2 children, a 20-year-old son and a 15-year-old daughter. He is a dentist and works at a local clinic in Kapan where he lives.

Hayk's son studies at Yerevan Haybusak University and is in the third course of his medical training. Hayk is the only worker in his family and it is difficult to cover daily costs and save money for his children's education. Hayk has applied for this loan to pay for his son's tuition for the first semester of the school year. The loan is important for Hayk and his family because he wants his son to become a good specialist and continue his work.

Additional Information

More information about this loan

This loan is part of SEF's new education program, designed to finance school tuition for students whose families have low incomes or work in informal sectors of the economy. Funds can be used for partial or complete payment of expenses related to higher education, graduate studies or vocational training. By supporting this loan, you're enabling access to education for students with limited options.

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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,083,350
    Funds lent in using Kiva
  • 408.8
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Hovik to pay his son's tuition for a semester at a university.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 7, 2012
Nov 13, 2012
Currency Exchange Loss:
Dec 20, 2013