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Valya lives in Gyumri town with her family. She is a teacher and works at local school. Her daughter, Sona, studies at the Armenian State Economic University in the faculty of Public Finance.

It is very difficult for Valya to sustain the family of five. Valya's salary allows her to cover family's basic costs, but is not enough to save for Sona's education.

With the requested amount, Valya will pay for her daughter’s annual tuition fee and will be able to ensure a better future for her family.

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
  • $14,056,400
    Funds lent in using Kiva
  • 406.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Valya to pay her daughter's annual tuition fee.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 27, 2012
Currency Exchange Loss:
Dec 20, 2013