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Mariam is a 21-year-old from Yerevan. She studies at the Armenian State Institute of Physical Culture and, in addition to studying, also works as a waiter in one of the local cafes. As Mariam's salary is barely enough for sustaining her family's life (she lives with her parents and sister), it is very difficult for her to save money for her education. She has applied for this loan to pay for her university tuition.
This loan is very important for Mariam to complete her education and to find a job within her profession and become financially independent.

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
  • 129
    View loans »
    Armenia Loans Fundraising
  • $14,350,650
    Funds lent in using Kiva
  • 415.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Mariam to pay for university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 8, 2013
May 20, 2013
Currency Exchange Loss:
Jun 17, 2014