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Ruzanna is from the Siznak villagein the Syuniq region of Armenia. She lives with her family, which consists of her husband and two children: Monika (19 years old) and Volodya (18 years old). Ruzanna and her husband work hard to sustain the family and cover its basic needs. Monika studies at the State Engineering University of Armenia of the Syuniq region in the economics department. She is a very purposeful young lady who is working hard to complete her education and become a good specialist. Unfortunately, it is very difficult for Ruzanna and her husband to cover the family's basic needs and, at the same time, save money for Monika's education. So Ruzanna has applied for this loan to pay for her daughter's university tuition.

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
  • 141
    View loans »
    Armenia Loans Fundraising
  • $14,390,525
    Funds lent in using Kiva
  • 410.7
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ruzanna to pay for her daughter’s university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 5, 2013
Mar 13, 2013
Currency Exchange Loss:
Mar 18, 2014