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Emma is from Yerevan. She lives with her husband and 19-year-old son. Her son Georgi studies at Yerevan State University Architecture and Construction, in the department of technology management.
Both Emma and her husband work hard to sustain their family, but it is very difficult for them to save money for Georgi's education. So Emma has applied for this loan to pay for her son's university tuition.
The loan is very important to Emma and her son, to permit him to complete his education and find a well-paid job.

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
  • 93
    View loans »
    Armenia Loans Fundraising
  • $14,006,425
    Funds lent in using Kiva
  • 404.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Emma to pay for her son's university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 17, 2012
Dec 25, 2012
Currency Exchange Loss:
Jan 17, 2014