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Hasmik is from Dilijan town where she lives with her husband and 19-year-old son. Hasmik is a doctor with many years of experience working at a local clinic. Her son, Rudolf, studies at the European Educational Regional Academy in the loyal department.

It is very hard for Hasmik and her husband to sustain the family and, at the same time, cover Rudolf's educational costs. Hasmik has applied for this loan to SEF International to pay for her son's university tuition. The loan is very important for Hasmik and for her son, so he is able to complete the education and become a good specialist in the future.

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
  • 121
    View loans »
    Armenia Loans Fundraising
  • $14,377,525
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Hasmik to pay for her son's university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 17, 2013
May 1, 2013
Currency Exchange Loss:
Aug 17, 2013