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Hermine lives in Gyumri with her daughter, Gohar. She works at a local school. Her daughter studies at Gyumri State Medical College in the nursing department.

As Hermine has raised her child alone, it is very difficult for her to sustain the family and save money for her daughter's education. She is requesting a loan to pay for university tuition. The loan is very important for Hermine and her daughter so that she can complete her education and find a job. Gohar hopes to become professional nurse and help people.

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
  • 136
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • 406.6
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Hermine to pay for university education.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 12, 2012
Dec 17, 2012
Currency Exchange Loss:
Jan 17, 2014