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Zhanna is a 42-year-old mother of two daughters. She lives in Yerevan with her family.

Zhanna teaches English to children. Her elder daughter Lilit (in the photo) is a student at Yerevan State University. She is in her first course, in the Faculty of Armenian Philology. Zhanna and her husband work hard to sustain their family, but it is very difficult for them to save money for Lilit's education. So Zhanna has applied for this loan to pay for her daughter’s university tuition.

The loan is very important for this family. Lilit dreams of completing her education and becoming a good teacher like her mother.

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
  • 167
    View loans »
    Armenia Loans Fundraising
  • $14,947,325
    Funds lent in using Kiva
  • 406.6
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Zhanna to pay for university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 16, 2013
Jan 17, 2013
Currency Exchange Loss:
Feb 17, 2014