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Hovhannes is from Yerevan town. He lives with his parents and studies at Yerevan State Engineering University. Hovhannes works at a local company and is the only breadwinner in the family. The income he gets from his work is barely enough to make ends meet.

Hovhannes works hard to sustain his family and it is very difficult for him to save money for his education. He has requested a loan from SEF International to pay for university tuition.

The loan is very important for Hovhannes to complete his education, become a good specialist and find a better 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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,083,350
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Hovhannes to pay for university tuition.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 26, 2013
May 2, 2013
Currency Exchange Loss:
Jun 17, 2014