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Sona is 26-year-old proactive student. She lives in Baghramyan village in the Ararat region with her family. Sona studies at the Armenian State University, in the faculty of Philosophy and Psychology. She is in her fourth course.
Sona’s parents are involved in agriculture, which is the main source of income for her family. It is very difficult for the family to cover their daily costs and save money for Sona’s education. This is why Sona has applied for this loan to pay for tuition fees for the first semester.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $14,869,400
    Funds lent in using Kiva
  • 406.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Sona to pay for tuition fees for the first semester.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 9, 2012
Nov 27, 2012
Currency Exchange Loss:
Dec 20, 2013